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   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-579": {
   "value": "Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>irol <span class=\"_ _2\"></span>und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(BT<span class=\"_ _3\"></span>V<span class=\"_ _2\"></span>) <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Vorschr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>n Inte<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>ret<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>al F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Repo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ng In<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ions <span class=\"_ _2\"></span>Commit<span class=\"_ _3\"></span>tee (<span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>RI<span class=\"_ _2\"></span>C)<span class=\"_ _2\"></span>, wie <span class=\"_ _2\"></span>sie i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Euro<span class=\"_ _2\"></span>p\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>on anzuwe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Anwend<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hre P<span class=\"_ _3\"></span>flic<span class=\"_ _2\"></span>ht w<span class=\"_ _2\"></span>aren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>irol <span class=\"_ _2\"></span>und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>z i<span class=\"_ _2\"></span>n \u00d6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch. <span class=\"_ _2\"></span>Einge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z de<span class=\"_ _2\"></span>r Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t 6<span class=\"_ _2\"></span>020 <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>, St<span class=\"_ _2\"></span>adt<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>um 1. Die <span class=\"_ _2\"></span>Haup<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>hrer <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assen die Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Corp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>ate u<span class=\"_ _2\"></span>nd Ret<span class=\"_ _2\"></span>ail <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>king<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>as H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n von B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n sowie <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb <span class=\"_ _2\"></span>von Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>und ande<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismu<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>trie<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>N\u00e4h<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>matio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>dazu <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>h\u00e4lt <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Die ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nweit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m Eink<span class=\"_ _2\"></span>lang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Nor<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r europ<span class=\"_ _2\"></span>\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzri<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>inien<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>odass <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>ussage<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t di<span class=\"_ _2\"></span>eses <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusses <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s UG<span class=\"_ _2\"></span>B in V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Vorsch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>BWG gle<span class=\"_ _2\"></span>ichwer<span class=\"_ _3\"></span>tig i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>vorli<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>de K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss bas<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>hrung<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 sind g<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss 2<span class=\"_ _2\"></span>023 im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unver<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rsic<span class=\"_ _2\"></span>ht \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>gelt<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ards i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>ab <span class=\"ff2 ls2 ws1\"> </span>Seit<span class=\"_ _2\"></span>e 331 darge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>zur Weiter<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nd an <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am 7<span class=\"_ _4\"></span>. M\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>z 2025<span class=\"_ _2\"></span>. <span class=\"ff2 ls2 ws1\"> </span>Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusses <span class=\"_ _2\"></span>zur Ver\u00f6f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hung du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t vor<span class=\"_ _2\"></span>aussi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>m 28<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>2025<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-554": {
   "value": "Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>irol <span class=\"_ _2\"></span>und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(BT<span class=\"_ _3\"></span>V<span class=\"_ _2\"></span>) <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Vorschr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>n Inte<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>ret<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>al F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Repo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ng In<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ions <span class=\"_ _2\"></span>Commit<span class=\"_ _3\"></span>tee (<span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>RI<span class=\"_ _2\"></span>C)<span class=\"_ _2\"></span>, wie <span class=\"_ _2\"></span>sie i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Euro<span class=\"_ _2\"></span>p\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>on anzuwe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Anwend<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hre P<span class=\"_ _3\"></span>flic<span class=\"_ _2\"></span>ht w<span class=\"_ _2\"></span>aren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>irol <span class=\"_ _2\"></span>und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>z i<span class=\"_ _2\"></span>n \u00d6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch. <span class=\"_ _2\"></span>Einge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z de<span class=\"_ _2\"></span>r Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t 6<span class=\"_ _2\"></span>020 <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>, St<span class=\"_ _2\"></span>adt<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>um 1. Die <span class=\"_ _2\"></span>Haup<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>hrer <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assen die Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Corp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>ate u<span class=\"_ _2\"></span>nd Ret<span class=\"_ _2\"></span>ail <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>king<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>as H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n von B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n sowie <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb <span class=\"_ _2\"></span>von Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>und ande<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismu<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>trie<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>N\u00e4h<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>matio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>dazu <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>h\u00e4lt <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Die ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nweit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m Eink<span class=\"_ _2\"></span>lang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Nor<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r europ<span class=\"_ _2\"></span>\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzri<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>inien<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>odass <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>ussage<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t di<span class=\"_ _2\"></span>eses <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusses <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s UG<span class=\"_ _2\"></span>B in V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Vorsch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>BWG gle<span class=\"_ _2\"></span>ichwer<span class=\"_ _3\"></span>tig i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>vorli<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>de K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss bas<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>hrung<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 sind g<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss 2<span class=\"_ _2\"></span>023 im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unver<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rsic<span class=\"_ _2\"></span>ht \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>gelt<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ards i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>ab <span class=\"ff2 ls2 ws1\"> </span>Seit<span class=\"_ _2\"></span>e 331 darge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>zur Weiter<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nd an <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am 7<span class=\"_ _4\"></span>. M\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>z 2025<span class=\"_ _2\"></span>. <span class=\"ff2 ls2 ws1\"> </span>Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusses <span class=\"_ _2\"></span>zur Ver\u00f6f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hung du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t vor<span class=\"_ _2\"></span>aussi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>m 28<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>2025<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-510": {
   "value": "Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>irol <span class=\"_ _2\"></span>und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(BT<span class=\"_ _3\"></span>V<span class=\"_ _2\"></span>) <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Vorschr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>n Inte<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>ret<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>al F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Repo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ng In<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ions <span class=\"_ _2\"></span>Commit<span class=\"_ _3\"></span>tee (<span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>RI<span class=\"_ _2\"></span>C)<span class=\"_ _2\"></span>, wie <span class=\"_ _2\"></span>sie i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Euro<span class=\"_ _2\"></span>p\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>on anzuwe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Anwend<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hre P<span class=\"_ _3\"></span>flic<span class=\"_ _2\"></span>ht w<span class=\"_ _2\"></span>aren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-1": {
   "value": "Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft (BTV)",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-2": {
   "value": "Aktiengesellschaft",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-513": {
   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-3": {
   "value": "6020 Innsbruck, Stadtforum 1",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "Die Hauptaktivit\u00e4ten der Gesellschaft und ihrer Tochterunternehmen umfassen die Verm\u00f6gensverwaltung, Corporate und Retail Banking, das Halten von Beteiligungen sowie den Betrieb von Seilbahnen und anderen Tourismusbetrieben.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "Der <span class=\"_ _2\"></span>vorli<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>de K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss bas<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>hrung",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>zur Weiter<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nd an <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am 7<span class=\"_ _4\"></span>. M\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>z 2025<span class=\"_ _2\"></span>. <span class=\"ff2 ls2 ws1\"> </span>Die Fr<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusses <span class=\"_ _2\"></span>zur Ver\u00f6f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hung du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t vor<span class=\"_ _2\"></span>aussi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>m 28<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>2025",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-622": {
   "value": "Konsolid<span class=\"_ _2\"></span>ierung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds\u00e4t<span class=\"_ _3\"></span>ze und Kons<span class=\"_ _2\"></span>olidier<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>reis<span class=\"_ _39f\"> </span>Alle <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10 von der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>behe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>0 in d<span class=\"_ _2\"></span>en Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>scht <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s se<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Eng<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ment <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. Anr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>f dies<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>F\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>walt <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>flusse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bsme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>genl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>antei<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>ten Verm\u00f6<span class=\"_ _2\"></span>gensge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde u<span class=\"_ _2\"></span>nd Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit i<span class=\"_ _2\"></span>hrem <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bszeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t anzu<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>m Ante<span class=\"_ _2\"></span>il an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gensg<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Sc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>dsbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>overm\u00f6<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>als F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>u ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>38 <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r j\u00e4<span class=\"_ _2\"></span>hrli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keit<span class=\"_ _2\"></span>s\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng zu u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Nich<span class=\"_ _2\"></span>t vollkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>-, <span class=\"_ _2\"></span>Fina<span class=\"_ _2\"></span>nz- und <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>ge de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns in<span class=\"_ _2\"></span>sgesa<span class=\"_ _2\"></span>mt von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>geo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung si<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span> und B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>Euro (\u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns, <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f hing<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ause<span class=\"_ _2\"></span>nd (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>.) \u20ac dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Rundung<span class=\"_ _2\"></span>sdi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzen m<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>assage<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>assag<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e von finan<span class=\"_ _2\"></span>zielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n zum Er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ag er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst bz<span class=\"_ _2\"></span>w. ausgeb<span class=\"_ _2\"></span>ucht<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Struk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span> Einhe<span class=\"_ _2\"></span>iten Stru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sind U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>, die s<span class=\"_ _2\"></span>o konzipie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ass Stimm<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte ode<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are Rec<span class=\"_ _2\"></span>hte nic<span class=\"_ _2\"></span>ht der domini<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>chung si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ies is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise de<span class=\"_ _2\"></span>r Fall<span class=\"_ _2\"></span>, wenn St<span class=\"_ _2\"></span>immre<span class=\"_ _2\"></span>chte s<span class=\"_ _2\"></span>ich nur a<span class=\"_ _2\"></span>uf admini<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ive Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ziehe<span class=\"_ _2\"></span>n und die Re<span class=\"_ _2\"></span>chte z<span class=\"_ _2\"></span>ur Lenk<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V werd<span class=\"_ _2\"></span>en ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Pro<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten m<span class=\"_ _2\"></span>it eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4n<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>m T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>ber<span class=\"_ _2\"></span>eich s<span class=\"_ _2\"></span>owie Pu<span class=\"_ _2\"></span>blik<span class=\"_ _2\"></span>ums<span class=\"_ _2\"></span>fon<span class=\"_ _2\"></span>ds, F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r und Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten al<span class=\"_ _2\"></span>s str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einhe<span class=\"_ _2\"></span>iten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, sofe<span class=\"_ _2\"></span>rn di<span class=\"_ _2\"></span>e Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndung zu d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>iten ke<span class=\"_ _2\"></span>ine ge<span class=\"_ _2\"></span>w\u00f6hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. In de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>den ke<span class=\"_ _2\"></span>ine wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen bz<span class=\"_ _2\"></span>w. nicht ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en zu s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d als Spon<span class=\"_ _2\"></span>sor ein<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>it ange<span class=\"_ _2\"></span>sehe<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>nn Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>teiln<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r die Ein<span class=\"_ _2\"></span>heit m<span class=\"_ _2\"></span>it dem K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>, insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere d<span class=\"_ _2\"></span>urch Ver<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>dung des N<span class=\"_ _2\"></span>am<span class=\"_ _2\"></span>ens B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V i<span class=\"_ _2\"></span>n der F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ma ode<span class=\"_ _2\"></span>r auf G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren b<span class=\"_ _2\"></span>ei G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V als M<span class=\"_ _2\"></span>akl<span class=\"_ _2\"></span>er f<span class=\"_ _2\"></span>ungi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>n\u00fcp<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>fen<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V unte<span class=\"_ _2\"></span>rhie<span class=\"_ _2\"></span>lt im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum kei<span class=\"_ _2\"></span>ne Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bindung<span class=\"_ _2\"></span>en und i<span class=\"_ _2\"></span>st in d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>m Sinne n<span class=\"_ _2\"></span>icht al<span class=\"_ _2\"></span>s Spons<span class=\"_ _2\"></span>or auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 we<span class=\"_ _2\"></span>rden b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t dem b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls zuz\u00fcg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, angese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung und F<span class=\"_ _2\"></span>olgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung von fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten ge<span class=\"_ _2\"></span>m. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 i<span class=\"_ _2\"></span>st z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Sc<span class=\"_ _2\"></span>huldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>u<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>me<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n, Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n sowie Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten zu unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te k\u00f6nne<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Zuga<span class=\"_ _2\"></span>ng wah<span class=\"_ _2\"></span>lweise a<span class=\"_ _2\"></span>ls er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _3\"></span>-<span class=\"ff2\"> </span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t des<span class=\"_ _2\"></span>ignie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den (<span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion<span class=\"_ _9\"></span>), wenn da<span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n bei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ode<span class=\"_ _2\"></span>r bei<span class=\"_ _2\"></span>m Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z bes<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Wir<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>st die K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ng von Sch<span class=\"_ _2\"></span>uldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s an das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung dies<span class=\"_ _2\"></span>er Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te g<span class=\"_ _2\"></span>ekopp<span class=\"_ _2\"></span>elt<span class=\"_ _3\"></span>, ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Eigen<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r mit de<span class=\"_ _2\"></span>m Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t einh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell i<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>in beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>rer Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wie ei<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te f<span class=\"_ _2\"></span>\u00fcr Zwecke der Verein<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>nahmu<span class=\"_ _2\"></span>ng von Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll wur<span class=\"_ _2\"></span>de vom Man<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent der BT<span class=\"_ _2\"></span>V festge-<span class=\"_ _39f\"> </span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Dabei sin<span class=\"_ _2\"></span>d nicht die Absic<span class=\"_ _2\"></span>hten in Be<span class=\"_ _2\"></span>zug auf eine<span class=\"_ _2\"></span>n einzeln<span class=\"_ _2\"></span>en finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t aussc<span class=\"_ _2\"></span>hlag<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nd, son<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n es ist auf ein<span class=\"_ _2\"></span>e h\u00f6he<span class=\"_ _2\"></span>re Ag<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 die Steuer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 abzust<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e Gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>lle sind f<span class=\"_ _2\"></span>\u00fcr die Klass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von Schuldin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>umenten zu untersc<span class=\"_ _2\"></span>heiden:<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten\u201c<span class=\"_ _9\"></span>: Die Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht da<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>, die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente z<span class=\"_ _2\"></span>u halte<span class=\"_ _2\"></span>n, um b<span class=\"_ _2\"></span>is zur F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>li<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me zu ve<span class=\"_ _2\"></span>reinn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Zuor<span class=\"_ _2\"></span>dnung zum G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n\u201c setz<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e vorha<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>e Absic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, die S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente b<span class=\"_ _2\"></span>is zu de<span class=\"_ _2\"></span>r jeweil<span class=\"_ _2\"></span>igen F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit zu h<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, vor<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>. Eine g<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t zur vor<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>ung und folg<span class=\"_ _2\"></span>lich z<span class=\"_ _2\"></span>ur Realis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von Gew<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n und Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t dazu<span class=\"_ _2\"></span>, dass di<span class=\"_ _2\"></span>e f\u00fcr d<span class=\"_ _2\"></span>ieses G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Ha<span class=\"_ _2\"></span>ltea<span class=\"_ _2\"></span>bsich<span class=\"_ _2\"></span>t nicht b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n dies<span class=\"_ _2\"></span>em Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang h<span class=\"_ _2\"></span>at die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>aillie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen z<span class=\"_ _2\"></span>u den \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c f\u00fcr un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n nur dan<span class=\"_ _2\"></span>n im Eink<span class=\"_ _2\"></span>lang mi<span class=\"_ _2\"></span>t dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten\u201c<span class=\"_ _4\"></span>, wen<span class=\"_ _2\"></span>n diese e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der un<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>l-<span class=\"_ _39f\"> </span>m\u00e4\u00dfig vor<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, se<span class=\"_ _2\"></span>lbs<span class=\"_ _2\"></span>t wenn die<span class=\"_ _2\"></span>se von sig<span class=\"_ _2\"></span>nifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tem Wer<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, ode<span class=\"_ _2\"></span>r wenn di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe re<span class=\"_ _2\"></span>gelm\u00e4<span class=\"_ _2\"></span>\u00dfig auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d von nicht signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>m W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fsg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen\u201c wurden vom Vorst<span class=\"_ _2\"></span>and g<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>hmig<span class=\"_ _3\"></span>t und sind inter<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r \u201e<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Polic<span class=\"_ _2\"></span>y\u201c d<span class=\"_ _2\"></span>okum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c<span class=\"_ _9\"></span>: Die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>ines G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, desse<span class=\"_ _2\"></span>n Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung dar<span class=\"_ _2\"></span>in bes<span class=\"_ _2\"></span>teht<span class=\"_ _3\"></span>, die ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me zu ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n und die S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e zu ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _4\"></span>Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>en\u201c<span class=\"_ _4\"></span>: D<span class=\"_ _2\"></span>ie Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung in die<span class=\"_ _2\"></span>sem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht in de<span class=\"_ _2\"></span>r Max<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>rung von Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>men d<span class=\"_ _2\"></span>urch k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige K<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e und Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>. Die Verein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>bar<span class=\"_ _3\"></span>ter Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>e ist n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ns\u00e4c<span class=\"_ _2\"></span>hlic<span class=\"_ _2\"></span>h.<span class=\"_ _39f\"> </span>Das Ma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t die Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t defi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen a<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>te und K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowie Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>e zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n und Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c werden gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch Wert<span class=\"_ _2\"></span>papi<span class=\"_ _2\"></span>ere zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie haup<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4chl<span class=\"_ _2\"></span>ich als f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>di-<span class=\"_ _39f\"> </span>t\u00e4tsreser<span class=\"_ _3\"></span>ve dienen.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h alle fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die kei<span class=\"_ _2\"></span>nem d<span class=\"_ _2\"></span>er and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n beid<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle zuzu<span class=\"_ _2\"></span>ordne<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere i<span class=\"_ _2\"></span>m UG<span class=\"_ _2\"></span>B/BWG-<span class=\"_ _3\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewidm<span class=\"_ _2\"></span>ete Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e sowie im U<span class=\"_ _2\"></span>GB/BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewid<span class=\"_ _2\"></span>mete I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zu<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>dies <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tung f\u00fcr <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _3\"></span>, dan<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng alle<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>prosp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv <span class=\"_ _2\"></span>ab de<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>\u2013 das <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e T<span class=\"_ _4\"></span>ag <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>\u2013 vor<span class=\"_ _2\"></span>zune<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>s muss <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rekl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am ge<span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>in. <span class=\"_ _2\"></span>Dami<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ung zu<span class=\"_ _2\"></span>l\u00e4ssig <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>d\u00fcr<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lls k<span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>T\u00e4<span class=\"_ _2\"></span>tigk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n me<span class=\"_ _2\"></span>hr au<span class=\"_ _2\"></span>sge\u00fcb<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>aben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>l ist f<span class=\"_ _2\"></span>\u00fcr die K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng nach d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n das Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>trom<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch. Dies<span class=\"_ _2\"></span>es bes<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en zu Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>en zu f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd Zin<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n auf de<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en (So<span class=\"_ _2\"></span>lel<span class=\"_ _2\"></span>y Paym<span class=\"_ _2\"></span>ent o<span class=\"_ _2\"></span>f Pri<span class=\"_ _2\"></span>ncip<span class=\"_ _2\"></span>al and I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>est \u2013 S<span class=\"_ _2\"></span>PP<span class=\"_ _2\"></span>I). Zins<span class=\"_ _2\"></span>en im Sin<span class=\"_ _2\"></span>ne von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 sin<span class=\"_ _2\"></span>d das En<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt f\u00fc<span class=\"_ _2\"></span>r die Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung von Ge<span class=\"_ _2\"></span>ld \u00fcb<span class=\"_ _2\"></span>er ein<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>gung d<span class=\"_ _2\"></span>es Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos u<span class=\"_ _2\"></span>nd and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>ken de<span class=\"_ _2\"></span>r gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, wie b<span class=\"_ _2\"></span>spw. das Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko. Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>lung de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>mal<span class=\"_ _2\"></span>e ist an<span class=\"_ _2\"></span>hand d<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang gel<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr jed<span class=\"_ _2\"></span>es einze<span class=\"_ _2\"></span>lne F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>str<span class=\"_ _2\"></span>ument durchz<span class=\"_ _2\"></span>uf\u00fchr<span class=\"_ _2\"></span>en.<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-9 w<span class=\"_ _2\"></span>urde e<span class=\"_ _2\"></span>ine Che<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>list<span class=\"_ _2\"></span>e auf<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>aut<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis der<span class=\"_ _2\"></span>er die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ums f<span class=\"_ _2\"></span>\u00fcr die Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ten\u201c sowie \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung<span class=\"_ _3\"></span>, ob in Ein<span class=\"_ _2\"></span>zelf<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>rium e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist o<span class=\"_ _2\"></span>der nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>ch Einb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hung all<span class=\"_ _2\"></span>er re<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Fak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren u<span class=\"_ _2\"></span>nd ste<span class=\"_ _2\"></span>llt e<span class=\"_ _2\"></span>ine Er<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Sind die Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ums nich<span class=\"_ _2\"></span>t er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so mus<span class=\"_ _2\"></span>s das G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>sl\u00e4u<span class=\"_ _2\"></span>fig zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ob d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>romk<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, h\u00e4ng<span class=\"_ _3\"></span>t von de<span class=\"_ _2\"></span>r Ar<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d der S<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>anz ab, mi<span class=\"_ _2\"></span>t der di<span class=\"_ _2\"></span>e Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann mi<span class=\"_ _2\"></span>thil<span class=\"_ _2\"></span>fe ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>enc<span class=\"_ _2\"></span>hmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. L\u00e4<span class=\"_ _2\"></span>sst si<span class=\"_ _2\"></span>ch ohn<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r mit nur g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ngem A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>seau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and k<span class=\"_ _2\"></span>l\u00e4re<span class=\"_ _2\"></span>n, o<span class=\"_ _2\"></span>b die ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6me de<span class=\"_ _2\"></span>s finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s sich sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant von den Vergl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>s-Zahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6men e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s nicht s<span class=\"_ _2\"></span>ch\u00e4d<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>kins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ist e<span class=\"_ _2\"></span>ine qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Anal<span class=\"_ _2\"></span>yse ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>. Is<span class=\"_ _2\"></span>t dies ni<span class=\"_ _2\"></span>cht m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h, is<span class=\"_ _2\"></span>t ein q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>nchm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>t durc<span class=\"_ _2\"></span>hzuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn die beid<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sind u<span class=\"_ _2\"></span>nd die Fa<span class=\"_ _2\"></span>ir- V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt wi<span class=\"_ _2\"></span>rd:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Gesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smodell \u201e<span class=\"_ _2\"></span>Halten\u201c<span class=\"_ _9\"></span> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt<span class=\"_ _39f\"> </span></span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, wenn die b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t sind un<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt</span><span class=\"ls2 ws1\"> </span>Mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 w<span class=\"_ _2\"></span>urde b<span class=\"_ _2\"></span>ei Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>en De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>hlosse<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>lich a<span class=\"_ _2\"></span>uf de<span class=\"_ _2\"></span>n hybr<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>n Kont<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t aus S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t und eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>em De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fclle<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>uldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte de<span class=\"_ _2\"></span>n SP<span class=\"_ _2\"></span>PI<span class=\"_ _2\"></span>-T<span class=\"_ _10\"></span>es<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>ht ode<span class=\"_ _2\"></span>r werd<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c zugeor<span class=\"_ _2\"></span>dne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so sind d<span class=\"_ _2\"></span>iese f<span class=\"_ _2\"></span>\u00fcr die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet zu k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t pri<span class=\"_ _2\"></span>nzipie<span class=\"_ _2\"></span>ll dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dah<span class=\"_ _2\"></span>er wer<span class=\"_ _2\"></span>den F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en an K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute un<span class=\"_ _2\"></span>d Kun<span class=\"_ _2\"></span>den mi<span class=\"_ _2\"></span>t fes<span class=\"_ _2\"></span>ten o<span class=\"_ _2\"></span>der bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n, wen<span class=\"_ _2\"></span>n das S<span class=\"_ _2\"></span>PPI<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, mit de<span class=\"_ _2\"></span>n for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Sofe<span class=\"_ _2\"></span>rn Dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, hab<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se die Fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den al<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>kovor<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>sorgen ausgewiesen.<span class=\"_ _39f\"> </span>Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>igenk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und an<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nnte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>mi<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span> Bei I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen in Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die nicht zu H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>elsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht be<span class=\"_ _2\"></span>i der Er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assu<span class=\"_ _2\"></span>ng das unwid<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>e Wahlrecht<span class=\"_ _3\"></span>, alle W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis im Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l auszuwe<span class=\"_ _2\"></span>isen (OCI<span class=\"_ _2\"></span>-Wahlrec<span class=\"_ _2\"></span>ht). Das Wahlrecht k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n f\u00fcr j<span class=\"_ _2\"></span>edes e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ne Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>usge\u00fcb<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. Zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>eidung bz<span class=\"_ _2\"></span>w. Bes<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>ung von Volatili<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ten in de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung wir<span class=\"_ _2\"></span>d diese<span class=\"_ _2\"></span>s Wahlrech<span class=\"_ _2\"></span>t von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend a<span class=\"_ _2\"></span>usge\u00fc<span class=\"_ _2\"></span>bt<span class=\"_ _2\"></span>. Im F<span class=\"_ _2\"></span>alle e<span class=\"_ _2\"></span>ines A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>angs d<span class=\"_ _2\"></span>es finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s vor F\u00e4l<span class=\"_ _2\"></span>ligke<span class=\"_ _2\"></span>it is<span class=\"_ _2\"></span>t der im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erge<span class=\"_ _2\"></span>bnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>te k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag n<span class=\"_ _2\"></span>icht in d<span class=\"_ _2\"></span>ie Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umzub<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>en (ke<span class=\"_ _2\"></span>in Rec<span class=\"_ _2\"></span>ycl<span class=\"_ _2\"></span>ing). Ei<span class=\"_ _2\"></span>ne Um<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>ung in ein<span class=\"_ _2\"></span>en and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alpos<span class=\"_ _2\"></span>ten i<span class=\"_ _2\"></span>st zul<span class=\"_ _2\"></span>\u00e4ssig.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen un<span class=\"_ _2\"></span>d in den s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>ind \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>he H<span class=\"_ _2\"></span>edges e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht d<span class=\"_ _2\"></span>en Anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. B<span class=\"_ _2\"></span>ei die<span class=\"_ _2\"></span>sen we<span class=\"_ _2\"></span>rden K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e mit Ba<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>ten ab<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sicher<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten sin<span class=\"_ _2\"></span>d f\u00fc<span class=\"_ _2\"></span>r die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch als zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet zu kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>iese k\u00f6n<span class=\"_ _2\"></span>nen f<span class=\"_ _2\"></span>\u00fcr die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang wa<span class=\"_ _2\"></span>hlwei<span class=\"_ _2\"></span>se auc<span class=\"_ _2\"></span>h als er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n (Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion), wenn dadurc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung od<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>im Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rn wi<span class=\"_ _2\"></span>rd f\u00fc<span class=\"_ _2\"></span>r gewi<span class=\"_ _2\"></span>sse ver<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>te V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en sowi<span class=\"_ _2\"></span>e Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lanl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e im Ra<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung m<span class=\"_ _2\"></span>it der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion ange<span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Erl\u00f6se aus <span class=\"_ _2\"></span>Kundenver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _39f\"> </span>Die Rege<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>5 bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wie und w<span class=\"_ _2\"></span>ann Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahmt wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he nic<span class=\"_ _2\"></span>ht in Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mi<span class=\"_ _2\"></span>t der V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng von Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>en aus F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ie unter d<span class=\"_ _2\"></span>ie Rege<span class=\"_ _2\"></span>lungen d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V wur<span class=\"_ _2\"></span>den Prozesse mi<span class=\"_ _2\"></span>t dami<span class=\"_ _2\"></span>t verb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ner i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ner K<span class=\"_ _2\"></span>ontr<span class=\"_ _2\"></span>olle i<span class=\"_ _2\"></span>mple<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ass ein<span class=\"_ _2\"></span>e Erl<span class=\"_ _2\"></span>\u00f6sre<span class=\"_ _2\"></span>alisie<span class=\"_ _2\"></span>rung a<span class=\"_ _2\"></span>us Vert<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>gen mi<span class=\"_ _2\"></span>t Kund<span class=\"_ _2\"></span>en in Ein<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ng mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>5 s<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>5 w<span class=\"_ _2\"></span>ird anh<span class=\"_ _2\"></span>and e<span class=\"_ _2\"></span>ines F\u00fcn<span class=\"_ _2\"></span>f-Sc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>odel<span class=\"_ _2\"></span>ls bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>, zu wel<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t (<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>der \u00fcb<span class=\"_ _2\"></span>er wel<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m<span class=\"_ _4\"></span>) un<span class=\"_ _2\"></span>d in welch<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he Um<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Das M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>ll leg<span class=\"_ _3\"></span>t fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss Ums<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>l\u00f6se zum Z<span class=\"_ _2\"></span>eitp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t (oder \u00fcbe<span class=\"_ _2\"></span>r den Ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum) des \u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>s der K<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>rolle \u00fc<span class=\"_ _2\"></span>ber G<span class=\"_ _2\"></span>\u00fcter o<span class=\"_ _2\"></span>der D<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>stl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n vom Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f Kund<span class=\"_ _2\"></span>en mi<span class=\"_ _2\"></span>t dem B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag zu b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, auf den d<span class=\"_ _2\"></span>as Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgem<span class=\"_ _2\"></span>\u00e4\u00df Ans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>ch hat<span class=\"_ _3\"></span>. Abh\u00e4<span class=\"_ _2\"></span>ngig von de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>ung bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mter K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rden U<span class=\"_ _2\"></span>msa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zerl<span class=\"_ _2\"></span>\u00f6se wie folg<span class=\"_ _3\"></span>t er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00fcber e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum d<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ingu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Unt<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d; ode<span class=\"_ _2\"></span>r </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">zu eine<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>em di<span class=\"_ _2\"></span>e Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>lle \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>das G<span class=\"_ _2\"></span>ut o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>die D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>Ums<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>l\u00f6se sind d<span class=\"_ _2\"></span>emzu<span class=\"_ _2\"></span>folge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r Gege<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche d<span class=\"_ _2\"></span>as Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n h\u00f6ch<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>h im Aust<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>ch f\u00fc<span class=\"_ _2\"></span>r die \u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ung von G\u00fcte<span class=\"_ _2\"></span>rn od<span class=\"_ _2\"></span>er Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungen e<span class=\"_ _2\"></span>rh\u00e4l<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. Um die<span class=\"_ _2\"></span>s zu erre<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>en, we<span class=\"_ _2\"></span>rden di<span class=\"_ _2\"></span>e Gru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze des Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s, die in folge<span class=\"_ _2\"></span>nde f<span class=\"_ _2\"></span>\u00fcnf \u201e<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>e\u201c gefa<span class=\"_ _2\"></span>sst sin<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>1<span class=\"_ _4\"></span>)  I<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ntifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s (bz<span class=\"_ _2\"></span>w. der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>) mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>2) <span class=\"_ _7\"> </span>Ident<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>Lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags <span class=\"_ _2\"></span>(bz<span class=\"_ _2\"></span>w. der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge)<span class=\"_ _39f\"> </span>3) <span class=\"_ _7\"> </span>Best<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>eise<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>4) <span class=\"_ _7\"> </span>Allok<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ionsp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>es au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>h ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n Lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span>5) <span class=\"_ _7\"> </span>Erl\u00f6sre<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>uvor i<span class=\"_ _2\"></span>dent<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber h<span class=\"_ _2\"></span>inaus b<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>t die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>real<span class=\"_ _2\"></span>isier<span class=\"_ _2\"></span>ung die E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllung n<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end a<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ter A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>zk<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien:<span class=\"_ _39f\"> </span>Die gew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t die Er<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ung von Ban<span class=\"_ _2\"></span>kdiens<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e im W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen ni<span class=\"_ _2\"></span>cht unte<span class=\"_ _2\"></span>r den A<span class=\"_ _2\"></span>nwendung<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>5 fal<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die gew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng Gmb<span class=\"_ _2\"></span>H umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t Er<span class=\"_ _2\"></span>l\u00f6se aus d<span class=\"_ _2\"></span>em Verk<span class=\"_ _2\"></span>auf von Sk<span class=\"_ _2\"></span>ip\u00e4<span class=\"_ _2\"></span>ssen (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>age<span class=\"_ _2\"></span>s-, Saiso<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>), E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Ski<span class=\"_ _2\"></span>schul<span class=\"_ _2\"></span>e, Er<span class=\"_ _2\"></span>l\u00f6se a<span class=\"_ _2\"></span>us dem Verle<span class=\"_ _2\"></span>ih und Verk<span class=\"_ _2\"></span>auf von S<span class=\"_ _2\"></span>ki<span class=\"_ _2\"></span>- und Sn<span class=\"_ _2\"></span>owboa<span class=\"_ _2\"></span>rdau<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>tunge<span class=\"_ _2\"></span>n sowie B<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>, E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus de<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb ei<span class=\"_ _2\"></span>nes H<span class=\"_ _2\"></span>otels s<span class=\"_ _2\"></span>owie Er<span class=\"_ _2\"></span>l\u00f6se von G<span class=\"_ _2\"></span>ast<span class=\"_ _2\"></span>rono<span class=\"_ _2\"></span>miee<span class=\"_ _2\"></span>inr<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e gew\u00f6hnl<span class=\"_ _2\"></span>iche Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gba<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst Er<span class=\"_ _2\"></span>l\u00f6s<span class=\"_ _2\"></span>e aus de<span class=\"_ _2\"></span>m V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f von Skip<span class=\"_ _2\"></span>\u00e4sse<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>-, Sai<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>- und Jahreskar<span class=\"_ _2\"></span>ten).<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _3\"></span>te Sk<span class=\"_ _2\"></span>ip\u00e4<span class=\"_ _2\"></span>sse we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>gel b<span class=\"_ _2\"></span>ar b<span class=\"_ _2\"></span>ez<span class=\"_ _2\"></span>ahlt <span class=\"_ _2\"></span>bzw. dur<span class=\"_ _2\"></span>ch \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>weisu<span class=\"_ _2\"></span>ng sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie U<span class=\"_ _2\"></span>msat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>dem V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f von S<span class=\"_ _2\"></span>aison<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>bzw. J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht ab<span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. In <span class=\"_ _2\"></span>Einzel<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>es zu <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen komme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn a<span class=\"_ _2\"></span>n Ho<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tenkon<span class=\"_ _2\"></span>tinge<span class=\"_ _2\"></span>nte ve<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>ast<span class=\"_ _2\"></span>rono<span class=\"_ _2\"></span>miee<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>\u00f6se we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bez<span class=\"_ _2\"></span>ahlt<span class=\"_ _3\"></span>, Ho<span class=\"_ _2\"></span>tele<span class=\"_ _2\"></span>rl\u00f6<span class=\"_ _2\"></span>se werde<span class=\"_ _2\"></span>n sp<span class=\"_ _2\"></span>\u00e4tes<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Abr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. Le<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die von <span class=\"_ _2\"></span>Ski<span class=\"_ _2\"></span>schul<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>cht we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Regel <span class=\"_ _2\"></span>vor D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e, d<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>Spor<span class=\"_ _3\"></span>tha<span class=\"_ _2\"></span>ndel <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>t mit <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Ware be<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Aus all die<span class=\"_ _2\"></span>sen b<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en kei<span class=\"_ _2\"></span>ne Vert<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>ge mit sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nten F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skompo<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>ten od<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, die Abg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end d<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>FR<span class=\"_ _3\"></span>S 1<span class=\"_ _4\"></span>5 er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Zuwendu<span class=\"_ _9\"></span>ngen der \u00f6f<span class=\"_ _3\"></span>fentlichen Hand gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>20<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e von der Eu<span class=\"_ _2\"></span>rop\u00e4i<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lbank a<span class=\"_ _2\"></span>usgege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen \u201eGe<span class=\"_ _2\"></span>zielt<span class=\"_ _2\"></span>en l\u00e4ng<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te II<span class=\"_ _2\"></span>I (<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>L<span class=\"_ _4\"></span>TRO I<span class=\"_ _2\"></span>II<span class=\"_ _2\"></span>)<span class=\"_ _9\"></span>\u201c nach d<span class=\"_ _2\"></span>en Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 20. D<span class=\"_ _2\"></span>ie Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>ind zum 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024 ausgela<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Verbin<span class=\"_ _2\"></span>dlichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n 31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023: <span class=\"ff2\"> </span>350 Mio. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Insge<span class=\"_ _2\"></span>samt f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te das T<span class=\"_ _2\"></span>L<span class=\"_ _4\"></span>TRO<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>II<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ogr<span class=\"_ _2\"></span>amm i<span class=\"_ _2\"></span>m Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 zu eine<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n Zin<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"ff2\"> </span>6.<span class=\"_ _3\"></span>838 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zum 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 lag b<span class=\"_ _2\"></span>ei 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rnge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wurd<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amm<span class=\"_ _2\"></span>enha<span class=\"_ _2\"></span>ng mit COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19 die Entsc<span class=\"_ _2\"></span>h\u00e4dig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h dem Ep<span class=\"_ _2\"></span>idem<span class=\"_ _2\"></span>ieG in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 258 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 320 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) vere<span class=\"_ _2\"></span>inna<span class=\"_ _2\"></span>hmt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V w\u00e4<span class=\"_ _2\"></span>hlt hie<span class=\"_ _2\"></span>r gem<span class=\"_ _2\"></span>\u00e4\u00df IA<span class=\"_ _2\"></span>S 2<span class=\"_ _2\"></span>0 die N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _3\"></span>, bei d<span class=\"_ _2\"></span>er die Zu<span class=\"_ _2\"></span>wendung<span class=\"_ _2\"></span>en <span class=\"ff2\"> </span>den au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>en Per<span class=\"_ _2\"></span>sonal<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d k\u00fcr<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. I<span class=\"_ _2\"></span>n den s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen we<span class=\"_ _2\"></span>rden s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>liche B<span class=\"_ _2\"></span>eih<span class=\"_ _2\"></span>ilf<span class=\"_ _2\"></span>en in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"ff2\"> </span>29<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>2 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assun<span class=\"_ _9\"></span>g von W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderungen gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>s IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 sieht e<span class=\"_ _2\"></span>ine R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s (E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>pec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed Cre<span class=\"_ _2\"></span>dit Loss \u2013 ECL<span class=\"_ _4\"></span>) vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>em Mo<span class=\"_ _2\"></span>dell zu<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ge sind e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlust<span class=\"_ _2\"></span>e zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wenn zu<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng noch ke<span class=\"_ _2\"></span>ine kon<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ten Hinwei<span class=\"_ _2\"></span>se f\u00fc<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr Schu<span class=\"_ _2\"></span>ldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s bewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie f\u00fcr K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>agen un<span class=\"_ _2\"></span>d finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, ausge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wenn d<span class=\"_ _2\"></span>iese e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll sie<span class=\"_ _2\"></span>ht ein<span class=\"_ _2\"></span>e Glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te in d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n der Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung vor. <span class=\"ff2\"> </span>Die H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng h\u00e4ng<span class=\"_ _3\"></span>t dabe<span class=\"_ _2\"></span>i von der Zu<span class=\"_ _2\"></span>ordnung d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>iner von d<span class=\"_ _2\"></span>rei Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n ab:<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r Regel we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bei Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z all<span class=\"_ _2\"></span>e finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e 1 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t bei eine<span class=\"_ _2\"></span>r Zuweis<span class=\"_ _2\"></span>ung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s in Stuf<span class=\"_ _2\"></span>e 1 dem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s m\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse \u00fcb<span class=\"_ _2\"></span>er die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n <span class=\"ff2\"> </span>1<span class=\"_ _10\"></span>2 Monate.<span class=\"_ _39f\"> </span>Wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte Er<span class=\"_ _2\"></span>h\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kos be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes von St<span class=\"_ _2\"></span>ufe 1 i<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pric<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>i eine<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-2-<span class=\"_ _9\"></span>Zuordnung d<span class=\"_ _2\"></span>em er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t von m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. Zur Det<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ines s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos schr<span class=\"_ _2\"></span>eibt I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 eine<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch des A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag mit d<span class=\"_ _2\"></span>em Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n Ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z vor<span class=\"_ _9\"></span>. Bei Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r des fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes in St<span class=\"_ _2\"></span>ufe 3<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zuo<span class=\"_ _2\"></span>rdnung fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ller Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zu den d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V anhan<span class=\"_ _2\"></span>d der un<span class=\"_ _2\"></span>ten ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ogik a<span class=\"_ _2\"></span>uf Ebe<span class=\"_ _2\"></span>ne de<span class=\"_ _2\"></span>s indi<span class=\"_ _2\"></span>vidu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s. Da<span class=\"_ _2\"></span>bei b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt d<span class=\"_ _2\"></span>er Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>t der in d<span class=\"_ _2\"></span>er T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n rat<span class=\"_ _2\"></span>ing- un<span class=\"_ _2\"></span>d prozessb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren di<span class=\"_ _2\"></span>e zu ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikostufe<span class=\"_ _21c\"> </span><span class=\"lse wse\">Beschreibung<span class=\"_ _13d\"> </span><span class=\"ws1\">H\u00f6h<span class=\"_ _2\"></span>e des Kreditverlusts<span class=\"_ _39f\"> </span></span></span>1 \u2013 geringes Risiko<span class=\"_ _a8\"> </span>Ne<span class=\"_ _2\"></span>ugesch\u00e4ft ode<span class=\"_ _2\"></span>r keine signifikant e<span class=\"_ _2\"></span>rh\u00f6hte Ausfallw<span class=\"_ _2\"></span>ahrscheinlichkeit bzw.<span class=\"_ _9\"></span> <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>keine negativen Risi<span class=\"_ _2\"></span>koinformationen<span class=\"_ _39f\"> </span>12-Monats-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _1e0\"> </span>Kun<span class=\"_ _2\"></span>d*in ist 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age \u00fcberzogen (keine Nachsicht gew\u00e4hr<span class=\"_ _2\"></span>t)<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21e\"> </span>Nachsicht wurde gew\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _2c\"> </span>Si<span class=\"_ _9\"></span>gnifikanter Anstieg <span class=\"_ _2\"></span>der er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>teten Ausf<span class=\"_ _2\"></span>allwahrscheinlichkeit zwischen <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>Erstansatz <span class=\"_ _2\"></span>und aktuellem <span class=\"_ _2\"></span>Stichtag (siehe weiter<span class=\"_ _2\"></span>f\u00fchren<span class=\"_ _2\"></span>de Beschreibungen im <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ext)<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _dd\"> </span>Aktu<span class=\"_ _2\"></span>elles Rating hat <span class=\"_ _2\"></span>sich im Vergleich zum Initialrating um <span class=\"_ _2\"></span>mindestens <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>4 Stufen verschlechter<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _134\"> </span>Kein Neugesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, aber Initialr<span class=\"_ _2\"></span>ating oder akt<span class=\"_ _2\"></span>uelles Rating fe<span class=\"_ _2\"></span>hlt<span class=\"_ _104\"> </span>Gesamtlau<span class=\"_ _2\"></span>fzeit-E<span class=\"_ _9\"></span>CL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _e2\"> </span>Unterst\u00fctzende Betreu<span class=\"_ _2\"></span>ung des/der Kun<span class=\"_ _2\"></span>d*in in Form <span class=\"_ _2\"></span>einer Betr<span class=\"_ _2\"></span>iebsberatung durch Exper<span class=\"_ _2\"></span>t*innen des <span class=\"_ _2\"></span>Sanierungsmanagements<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21f\"> </span>Durch Overlay-Ansatz identifizier<span class=\"_ _2\"></span>te Kun<span class=\"_ _2\"></span>d*innen<span class=\"_ _104\"> </span>Gesamtl<span class=\"_ _2\"></span>aufzeit-ECL<span class=\"_ _39f\"> </span>3 \u2013 Ausf<span class=\"_ _2\"></span>all<span class=\"_ _220\"> </span>Kund*in ist <span class=\"_ _2\"></span>ausgefallen<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ff2 ls2 ws1\"> </span>(Discounted-Cash-Flow-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>Methode / pauschale <span class=\"_ _2\"></span>Ermittlung W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderung)<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>es fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>quant<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ative<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ieds <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s zum <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zur Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der Risi<span class=\"_ _2\"></span>koein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung b<span class=\"_ _2\"></span>eim e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>m Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>im ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>aligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang um <span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>sse de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ive U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied <span class=\"_ _2\"></span>zw<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r als 10<span class=\"_ _2\"></span>0 % un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>absol<span class=\"_ _2\"></span>ute D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer <span class=\"_ _2\"></span>als 0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Prozent<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llris<span class=\"_ _2\"></span>ikos ausgeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er hi<span class=\"_ _2\"></span>naus <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ating <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ing beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang u<span class=\"_ _2\"></span>m vie<span class=\"_ _2\"></span>r o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mehr <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>bzw. kei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>srei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zung au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis vo<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ollte<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m zum <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 da<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. Dies <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>f welc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r\u00e4u<span class=\"_ _2\"></span>mte M<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>zieht<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts auch <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des/<span class=\"_ _9\"></span>der <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a die <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>che B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>r\u00e4ng<span class=\"_ _2\"></span>nis <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s/<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>er Kund*in <span class=\"_ _2\"></span>implizier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n/Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>n Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, Ba<span class=\"_ _2\"></span>u, <span class=\"_ _2\"></span>Masc<span class=\"_ _2\"></span>hine<span class=\"_ _2\"></span>nbau<span class=\"_ _2\"></span>, Rea<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4tenwes<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>achg<span class=\"_ _2\"></span>\u00fcter <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Immob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>proje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>n, z<span class=\"_ _2\"></span>um Ein<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z).<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t sin<span class=\"_ _2\"></span>d Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d des <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>orb<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>e/<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>hten <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung von 3<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nu<span class=\"_ _2\"></span>r in s<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>wenige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ter G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Zuordn<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Soll<span class=\"_ _2\"></span>te es <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Verg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>um er<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tmalig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kom<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e Stu<span class=\"_ _2\"></span>fe 2 <span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>die zu<span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Abs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ni<span class=\"_ _2\"></span>cht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r in die St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>lizite <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>\u00e4um<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esu<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r von St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Stuf<span class=\"_ _2\"></span>e 1, die nur <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>rele<span class=\"_ _2\"></span>vant <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i N<span class=\"_ _2\"></span>achsi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nere<span class=\"_ _2\"></span>ll z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von <span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>jedo<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>weisung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn di<span class=\"_ _2\"></span>e ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>han<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r an<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>weit<span class=\"_ _2\"></span>ig ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n und di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _3\"></span>, ob <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>des finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sung<span class=\"_ _2\"></span>slog<span class=\"_ _2\"></span>ik un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on au<span class=\"_ _2\"></span>f Einze<span class=\"_ _2\"></span>lges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ebe<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>babil<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>of D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t \u2013 P<span class=\"_ _2\"></span>D\u201c)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>stqu<span class=\"_ _2\"></span>ote b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss <span class=\"_ _2\"></span>Give<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault \u2013 LGD\u201c) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heite<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure a<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>\u2013 E<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>D\u201c) <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>den er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n mar<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>diskon<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mit <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>inis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00f6he <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all aus d<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mi<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>htde<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>eter<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>albin<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sfl<span class=\"_ _2\"></span>\u00fcsse b<span class=\"_ _2\"></span>is zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus gehe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag no<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>ne Zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>hung i<span class=\"_ _2\"></span>m Fall<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lls er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien m<span class=\"_ _2\"></span>it ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung von <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>konvers<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren in die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te ei<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es LGDs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t gewid<span class=\"_ _2\"></span>mete <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it ihr<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>unbe<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure ein R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _3\"></span>fluss <span class=\"_ _2\"></span>im Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gen<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ll un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>wobei insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>vier <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte \u2013 <span class=\"_ _2\"></span>(i) <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>ii) <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>iii) <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und (<span class=\"_ _2\"></span>iv) Ban<span class=\"_ _2\"></span>ken \u2013 <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>Anwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>uordn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s auf <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ustq<span class=\"_ _2\"></span>uote bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll, <span class=\"_ _2\"></span>da au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Zu<span class=\"_ _2\"></span>ordnung <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>en genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>tquote <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>empi<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spez<span class=\"_ _2\"></span>ifis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>telt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>ting <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>tso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einj\u00e4<span class=\"_ _2\"></span>hrig<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>mpir<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Migr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>atr<span class=\"_ _2\"></span>izen a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vom Rat<span class=\"_ _2\"></span>ing a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ma<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rsk<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>a<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ad<span class=\"_ _2\"></span>jus<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d auf d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n dab<span class=\"_ _2\"></span>ei Vorhe<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>\u00fcber die En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Variab<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ie bspw. de<span class=\"_ _2\"></span>s re<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinla<span class=\"_ _2\"></span>ndspr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Wachs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>der real<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>toa<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, welc<span class=\"_ _2\"></span>he <span class=\"ff2 ls2 ws1\"> </span>in wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>lge z<span class=\"_ _2\"></span>ur Sk<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten (<span class=\"_ _2\"></span>Bayes\u2019<span class=\"_ _9\"></span>scher <span class=\"_ _2\"></span>Sk<span class=\"_ _2\"></span>alar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z) genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en (margi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>mit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>den Thr<span class=\"_ _2\"></span>ough<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cy<span class=\"_ _9\"></span>cle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sind Poi<span class=\"_ _2\"></span>nt-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie <span class=\"ff2 ls2 ws1\"> </span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>. Na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>e lin<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>apo<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hre z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tle<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n ab <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Variab<span class=\"_ _2\"></span>len der <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on bz<span class=\"_ _2\"></span>w. die au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>dar.<span class=\"_ _9\"></span> F\u00fcr all<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, inte<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ivere <span class=\"_ _2\"></span>Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung u<span class=\"_ _2\"></span>nd das a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>e Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>age un<span class=\"_ _2\"></span>d dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>uend <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioe<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne w<span class=\"_ _2\"></span>ider<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>lle fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ein e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eter Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>ein g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>m Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chli<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>dar, wobei f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r den <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2-m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m End<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>de, wenn d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit 6<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>% und <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>beid<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>20 %<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Fes<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>ik zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vom Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llten <span class=\"_ _2\"></span>pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>tizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>em Szena<span class=\"_ _2\"></span>rio er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweilig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng konsi<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>nt si<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io so<span class=\"_ _2\"></span>mit ste<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>res <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>beko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive bz<span class=\"_ _2\"></span>w. neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive A<span class=\"_ _2\"></span>bweichu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ios d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, die a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r zuge<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et a<span class=\"_ _2\"></span>ls Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>vom B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio, <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>von jewe<span class=\"_ _2\"></span>ils 2<span class=\"_ _2\"></span>0 % e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ge<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>avon aus<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>e dre<span class=\"_ _2\"></span>i zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr je<span class=\"_ _2\"></span>des d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ige N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ad\u00e4q<span class=\"_ _2\"></span>uat <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rsp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>ln und <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t die A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>von dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>usre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klim<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>insof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>diese eine<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. auf d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>indiv<span class=\"_ _2\"></span>idue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 u<span class=\"_ _2\"></span>nd St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>326 dar<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>m Ein<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>von ob<span class=\"_ _2\"></span>jek<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Hinwe<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung wi<span class=\"_ _2\"></span>rd de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t al<span class=\"_ _2\"></span>s wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>3 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>m\u00e4\u00df A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t ihr<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>n auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ar<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>l 1<span class=\"_ _4\"></span>78 de<span class=\"_ _2\"></span>r EU<span class=\"_ _2\"></span>-Verordnung <span class=\"_ _2\"></span>57<span class=\"_ _9\"></span>5<span class=\"_ _9\"></span>/2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>3 (Capit<span class=\"_ _2\"></span>al Requir<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion \u2013 <span class=\"_ _2\"></span>CRR) unt<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA G<span class=\"_ _2\"></span>L 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>6/07 zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion s<span class=\"_ _2\"></span>owie <span class=\"ff2 ls2 ws1\"> </span>von \u00a7 2<span class=\"_ _2\"></span>3 CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>BV <span class=\"_ _2\"></span>zur Sc<span class=\"_ _2\"></span>hwellwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>gil<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ls 9<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>unwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich <span class=\"_ _2\"></span>ansie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ne Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>r H\u00f6<span class=\"_ _2\"></span>he </span>beg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>rohe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>), od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s, d<span class=\"_ _2\"></span>em e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _3\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr al<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>30 T<span class=\"_ _9\"></span>age \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig i<span class=\"_ _2\"></span>st o<span class=\"_ _2\"></span>der<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ein Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, de<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htbe<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>BT<span class=\"_ _3\"></span>V na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>mes e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m/<span class=\"_ _9\"></span>eine<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>d*i<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llig is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, r<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>lie\u00dfli<span class=\"_ _2\"></span>ch na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ivil<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>teilu<span class=\"_ _2\"></span>ng s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig vom O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4l<span class=\"_ _2\"></span>le stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>F\u00fcr sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte F<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>\u2013 da<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d jen<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch 1 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t \u2013 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung der <span class=\"_ _2\"></span>Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Flow(<span class=\"_ _2\"></span>DCF<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>, abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>shaf<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Even<span class=\"_ _2\"></span>tual<span class=\"_ _2\"></span>obligo <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"ff2 ls2 ws1\"> </span>flows i<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n Fall <span class=\"_ _2\"></span>zu F<span class=\"_ _2\"></span>all un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ab<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rn f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Logi<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che i<span class=\"_ _2\"></span>m Go<span class=\"_ _2\"></span>ing-<span class=\"_ _3\"></span>Concer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- sow<span class=\"_ _2\"></span>ie im G<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Conce<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>die dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t Ca<span class=\"_ _2\"></span>se\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>tic C<span class=\"_ _2\"></span>ase\u201c sowi<span class=\"_ _2\"></span>e \u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t C<span class=\"_ _2\"></span>ase\u201c unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>und Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>es C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n als<span class=\"_ _2\"></span>o je n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z un<span class=\"_ _2\"></span>d Szenar<span class=\"_ _2\"></span>io un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr nic<span class=\"_ _2\"></span>ht sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4ll<span class=\"_ _2\"></span>e \u2013 d<span class=\"_ _2\"></span>as si<span class=\"_ _2\"></span>nd je<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>blig<span class=\"_ _2\"></span>o au<span class=\"_ _2\"></span>f Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne k<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>als 1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac is<span class=\"_ _2\"></span>t \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>pausc<span class=\"_ _2\"></span>hale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s he<span class=\"_ _2\"></span>i\u00dft<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tuf<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>n pau<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Prozent<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>vom Bl<span class=\"_ _2\"></span>ankovolum<span class=\"_ _2\"></span>en (Obl<span class=\"_ _2\"></span>igo abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>te<span class=\"_ _9\"></span>), welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>an Wer<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. W\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 un<span class=\"_ _2\"></span>d 2 Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>n und W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ennt <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 3 a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sko<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bzug d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorsorge berechne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rb <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung ob<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>inweis<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f Wert<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>(Pur<span class=\"_ _2\"></span>chas<span class=\"_ _2\"></span>ed o<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>igin<span class=\"_ _2\"></span>ated <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Im<span class=\"_ _2\"></span>pair<span class=\"_ _2\"></span>ed \u2013 <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI), i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>stm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes ke<span class=\"_ _2\"></span>ine Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. F\u00fcr d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>ie se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tmal<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z k<span class=\"_ _2\"></span>umu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lier<span class=\"_ _3\"></span>ten \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Wer<span class=\"_ _2\"></span>tmind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r die Ges<span class=\"_ _2\"></span>amtl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>OCI<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V je<span class=\"_ _2\"></span>doc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>evan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n vom Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te abg<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Fre<span class=\"_ _2\"></span>mdk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abzub<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>sel<span class=\"_ _2\"></span>bst <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis ge<span class=\"_ _2\"></span>zeig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f Write<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V D<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ausbu<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd von <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich fixi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>elunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Mass<span class=\"_ _2\"></span>e vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) ode<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wozu beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se H<span class=\"_ _2\"></span>airc<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s z\u00e4hl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie na<span class=\"_ _2\"></span>chgel<span class=\"_ _2\"></span>ager<span class=\"_ _3\"></span>te Au<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t h\u00e4u<span class=\"_ _2\"></span>fig a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Finali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>otenr<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die Sch<span class=\"_ _2\"></span>lie\u00dfung <span class=\"_ _2\"></span>von la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>ige<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>solve<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">auf de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ei Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er p<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s\u00f6nlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on, </span>in Verbind<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, zu<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n,<span class=\"_ _39f\"> </span>zur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>As<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>von nic<span class=\"_ _2\"></span>ht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>flusse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>dar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom Wahlre<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>en Vorgeh<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Nachtr\u00e4gliche \u00c4nder<span class=\"_ _2\"></span>ungen von vertr<span class=\"_ _2\"></span>aglichen Zahlungsstr\u00f6men gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W\u00fcrdig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine M<span class=\"_ _2\"></span>odi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me un<span class=\"_ _2\"></span>d som<span class=\"_ _2\"></span>it zu eine<span class=\"_ _2\"></span>m Ab<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive u<span class=\"_ _2\"></span>nd qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine q<span class=\"_ _2\"></span>ualit<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive W\u00fcrdigung <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten i<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>r dan<span class=\"_ _2\"></span>n aus<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d, we<span class=\"_ _2\"></span>nn mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>ser e<span class=\"_ _2\"></span>ind<span class=\"_ _2\"></span>eutig <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che Modi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>nsbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Schu<span class=\"_ _2\"></span>ldne<span class=\"_ _2\"></span>r- und W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>chse<span class=\"_ _2\"></span>l od<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Einr<span class=\"_ _2\"></span>\u00e4umung eine<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>usel<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>mbed<span class=\"_ _2\"></span>ingu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fcl<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Mod<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>vora<span class=\"_ _2\"></span>b als <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ig wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls eine<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h lieg<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>ine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, wenn <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>odifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Bar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>dif<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>esult<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die minde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 10 % be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W\u00e4hrungsumre<span class=\"_ _2\"></span>chnung Auf <span class=\"_ _2\"></span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ab<span class=\"_ _2\"></span>gewic<span class=\"_ _2\"></span>kelte <span class=\"_ _2\"></span>Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>ssage<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ric<span class=\"_ _2\"></span>htk<span class=\"_ _2\"></span>urse<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>EZB <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>s Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>umge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>ngesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>g\u00fcl<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>inku<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Umr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung d<span class=\"_ _2\"></span>es <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r S<span class=\"_ _2\"></span>chweize<span class=\"_ _2\"></span>r Zweignie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t na<span class=\"_ _2\"></span>ch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>onal<span class=\"_ _2\"></span>en U<span class=\"_ _2\"></span>mre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>. U<span class=\"_ _2\"></span>mre<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>sdi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>winnvor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>im Eig<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Um<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng Sc<span class=\"_ _2\"></span>hweiz <span class=\"_ _2\"></span>AG er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t unte<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kur<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>Umr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung<span class=\"_ _2\"></span>sdif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renze<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>im <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>tiona<span class=\"_ _2\"></span>len W\u00e4hr<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>ch <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte i<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hweizer <span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>US<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Do<span class=\"_ _2\"></span>llar.<span class=\"_ _39f\"> </span>Barreser<span class=\"_ _3\"></span>ve Als B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>uth<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lnote<span class=\"_ _2\"></span>nbanke<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen Den be<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Risike<span class=\"_ _2\"></span>n des Bank<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tes tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t die BT<span class=\"_ _3\"></span>V durch die Bi<span class=\"_ _2\"></span>ldung von W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tigu<span class=\"_ _2\"></span>ngen und R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen im ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che<span class=\"_ _2\"></span>nden Aus<span class=\"_ _2\"></span>ma\u00df Rechn<span class=\"_ _2\"></span>ung. F\u00fcr Bonit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wird auf Ba<span class=\"_ _2\"></span>sis konzer<span class=\"_ _2\"></span>nein<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>a\u00dfs<span class=\"_ _2\"></span>t\u00e4b<span class=\"_ _2\"></span>e und unter Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung et<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>aiger B<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen vor<span class=\"_ _2\"></span>geso<span class=\"_ _2\"></span>rg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Anteil<span class=\"_ _9\"></span>e an at-equit<span class=\"_ _2\"></span>y-bewer<span class=\"_ _2\"></span>teten Unternehmen<span class=\"_ _4\"></span> In d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Positi<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an je<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>An <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob <span class=\"_ _2\"></span>sich o<span class=\"_ _2\"></span>bjek<span class=\"_ _3\"></span>tive <span class=\"_ _2\"></span>Hinwei<span class=\"_ _2\"></span>se da<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>uf e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>ispi<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>te d<span class=\"_ _2\"></span>es Rei<span class=\"_ _2\"></span>nverm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>m\u00e4\u00dfig d<span class=\"_ _2\"></span>ie Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>obje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve Hi<span class=\"_ _2\"></span>nweise vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung \u00fcber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lbare<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>m Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t abz\u00fcglic<span class=\"_ _2\"></span>h Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>In we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>ine N<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit gem\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>28 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>, ein<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>urchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die wec<span class=\"_ _2\"></span>hse<span class=\"_ _2\"></span>lseit<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen m<span class=\"_ _2\"></span>it der O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG und mit de<span class=\"_ _2\"></span>r BK<span class=\"_ _3\"></span>S Bank AG sind u<span class=\"_ _2\"></span>nter d<span class=\"_ _2\"></span>em Be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f Ring<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>. Bei d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>ngbe<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung w<span class=\"_ _2\"></span>ird de<span class=\"_ _2\"></span>r gep<span class=\"_ _2\"></span>lante J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>s auf Eb<span class=\"_ _2\"></span>ene Ein<span class=\"_ _2\"></span>zelabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>omit in<span class=\"_ _2\"></span>klus<span class=\"_ _2\"></span>ive er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r Div<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>den d<span class=\"_ _2\"></span>er Sc<span class=\"_ _2\"></span>hwest<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) h<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>angezog<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In e<span class=\"_ _2\"></span>inem z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den di<span class=\"_ _2\"></span>e gep<span class=\"_ _2\"></span>lante<span class=\"_ _2\"></span>n Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n der Schwes<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>ken el<span class=\"_ _2\"></span>iminie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>llf<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>e R\u00fcck<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>ndot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungen i<span class=\"_ _2\"></span>n der D<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ailpl<span class=\"_ _2\"></span>anung<span class=\"_ _2\"></span>sph<span class=\"_ _2\"></span>ase (zur Einhalt<span class=\"_ _2\"></span>ung von Eigenm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lvor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten) abgezogen<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s Erge<span class=\"_ _2\"></span>bnis d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>us und so<span class=\"_ _2\"></span>mit als B<span class=\"_ _2\"></span>asis f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng ste<span class=\"_ _2\"></span>ht das a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hige Erge<span class=\"_ _2\"></span>bnis (<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tet mit Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. Die Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit de<span class=\"_ _2\"></span>r wech<span class=\"_ _2\"></span>sels<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en wa<span class=\"_ _2\"></span>r im Bericht<span class=\"_ _2\"></span>sjahr gegeben. Gem<span class=\"_ _2\"></span>\u00e4\u00df e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mung m<span class=\"_ _2\"></span>it I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 28 <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um +0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Pk<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. er<span class=\"_ _2\"></span>h\u00f6ht <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. um \u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG um </span>+<span class=\"_ _4\"></span>21 Mio. <span class=\"_ _2\"></span>\u20ac (\u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">2<span class=\"_ _2\"></span>0 M<span class=\"_ _2\"></span>io. \u20ac (+0,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG w\u00fc<span class=\"_ _2\"></span>rde s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t </span>um +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span><span class=\"fs6 fc2 ls2 ws1\">\u2212<span class=\"_ _2\"></span><span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">10 Mio. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>+<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span></span>Handelsak<span class=\"_ _3\"></span>tiva In d<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>wecke<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nsgege<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de (siehe N<span class=\"_ _2\"></span>otes 7<span class=\"_ _2\"></span>) a<span class=\"_ _2\"></span>bgeb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>dien<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>azu, <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Zinss<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b ein<span class=\"_ _2\"></span>es k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- bz<span class=\"_ _2\"></span>w. mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. All<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s sind <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>tiven Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Fond<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen Dies<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>on um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>Miet<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>, gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zre<span class=\"_ _2\"></span>chte <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige Re<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zu A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie pl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t lin<span class=\"_ _2\"></span>ear <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en am <span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>e jed<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahre<span class=\"_ _2\"></span>s \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t und s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>pros<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ung im<span class=\"_ _2\"></span>mate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h \u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>3 und <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bzw. 4<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>acht- <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Nut<span class=\"_ _2\"></span>zungsr<span class=\"_ _2\"></span>echten<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 36 <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>m\u00e4\u00dfige <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorg<span class=\"_ _2\"></span>eno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. Wenn de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d f\u00fcr <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>r\u00fche<span class=\"_ _2\"></span>r du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Zusc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung auf d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sachanlagen Die B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. Her<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige un<span class=\"_ _2\"></span>d \u2013 sof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>\u2013 um <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rpl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e pl<span class=\"_ _2\"></span>anm\u00e4\u00dfig<span class=\"_ _2\"></span>e Abs<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ibung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>eb\u00e4u<span class=\"_ _2\"></span>de 32 bis <span class=\"_ _2\"></span>50 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>usst<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tung 1 <span class=\"_ _2\"></span>bis 2<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>ine Ausbu<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des vo<span class=\"_ _2\"></span>ll abg<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Anlag<span class=\"_ _2\"></span>ever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>Anla<span class=\"_ _2\"></span>gena<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>\u00e4ngen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die k<span class=\"_ _2\"></span>umul<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>sse au<span class=\"_ _2\"></span>s An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nabg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Ver\u00e4u\u00dfe<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngse<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>\u00f6s abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t) wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>hen Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgewi<span class=\"_ _2\"></span>esen<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>\u00fcte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Anl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>bzw. H<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>neb<span class=\"_ _2\"></span>enkos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, hi<span class=\"_ _2\"></span>ngege<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndhal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, in d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>ie ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>nd, <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>dsw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremd<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alkost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s qua<span class=\"_ _2\"></span>lifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Als Finanzinv<span class=\"_ _4\"></span>es<span class=\"_ _2\"></span>titionen gehaltene Immobilien<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>t\u00fcc<span class=\"_ _2\"></span>ke und <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>b\u00e4ud<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Einba<span class=\"_ _2\"></span>uten <span class=\"_ _2\"></span>in M<span class=\"_ _2\"></span>ietl<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n a<span class=\"_ _2\"></span>ls F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zur Er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lung <span class=\"_ _2\"></span>von Mie<span class=\"_ _2\"></span>ter<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>und Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u An<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige line<span class=\"_ _2\"></span>are A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>aussic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, bilan<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sdau<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>ei G<span class=\"_ _2\"></span>eb\u00e4<span class=\"_ _2\"></span>ude<span class=\"_ _2\"></span>n bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 5 b<span class=\"_ _2\"></span>is 6<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Einbau<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in Mi<span class=\"_ _2\"></span>etl<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>alen <span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>t sich <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Mi<span class=\"_ _2\"></span>etda<span class=\"_ _2\"></span>uer. Die en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden Miet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>uV<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiger <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg\u201c <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Leasing<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>m\u00e4\u00df d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16 \u201eL<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse\u201c<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Leasing<span class=\"_ _9\"></span>nehmer:<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>in N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>as Re<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>uf N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>zugr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>e liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, sowi<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e kor<span class=\"_ _2\"></span>resp<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, ob e<span class=\"_ _2\"></span>ine Vereinb<span class=\"_ _2\"></span>arung e<span class=\"_ _2\"></span>in Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 enth<span class=\"_ _2\"></span>\u00e4lt<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V mit A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss ei<span class=\"_ _2\"></span>nes je<span class=\"_ _2\"></span>den V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s, ob d<span class=\"_ _2\"></span>ie ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>he Vereinba<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>in Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>s dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt od<span class=\"_ _2\"></span>er ein s<span class=\"_ _2\"></span>olc<span class=\"_ _2\"></span>hes be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>\u00fcnde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Daz<span class=\"_ _2\"></span>u wird a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis des einzel<span class=\"_ _2\"></span>nen Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt<span class=\"_ _3\"></span>, ob der Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>her d<span class=\"_ _2\"></span>er Vereinba<span class=\"_ _2\"></span>rung zug<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unde lie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>in konk<span class=\"_ _2\"></span>ret i<span class=\"_ _2\"></span>dent<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>are<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t ist<span class=\"_ _3\"></span>, ob die BT<span class=\"_ _3\"></span>V a<span class=\"_ _2\"></span>ls Leas<span class=\"_ _2\"></span>ingn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r dazu b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, im Wesentli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n den ge<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>ten wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zen aus der Ver<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ung des Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts zu zi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, sow<span class=\"_ _2\"></span>ie ob die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V das Rec<span class=\"_ _2\"></span>ht zur B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung der N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>es V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s inne<span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>. Wenn diese d<span class=\"_ _2\"></span>rei B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n kum<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>iv er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sin<span class=\"_ _2\"></span>d, lie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>n Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltnis i<span class=\"_ _2\"></span>m Sinne d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 vor<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Eine L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlichke<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16 zu Be<span class=\"_ _2\"></span>gin<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em B<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>noch nicht <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mange<span class=\"_ _2\"></span>ls Vorlieg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er vol<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s zur A<span class=\"_ _2\"></span>bzinsung vo<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>angig <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>impliz<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>not<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig si<span class=\"_ _2\"></span>nd, <span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ie k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n mit d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>emdk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>lzinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ab. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>olgep<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Abh\u00e4<span class=\"_ _2\"></span>ngig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten T<span class=\"_ _2\"></span>ilg<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zusch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t ne<span class=\"_ _2\"></span>u zu <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n es <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>\u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ngsb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>ibt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>ht am Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and is<span class=\"_ _2\"></span>t zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zu b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Zu den A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>ten z\u00e4hl<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag aus de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung der L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche L<span class=\"_ _2\"></span>easing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, die zu od<span class=\"_ _2\"></span>er vor B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>inn der L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4l<span class=\"_ _2\"></span>tnis<span class=\"_ _2\"></span>ses ge<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, an<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ngli<span class=\"_ _2\"></span>che dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Kos<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie gesc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en des R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>baus<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>es s<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>ch zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m un<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>dbare<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>us Per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>eine V<span class=\"_ _9\"></span>erl\u00e4<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sopt<span class=\"_ _2\"></span>ion m<span class=\"_ _2\"></span>it hin<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eit <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird bz<span class=\"_ _2\"></span>w. f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ige K<span class=\"_ _2\"></span>\u00fcndig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sopt<span class=\"_ _2\"></span>ion m<span class=\"_ _2\"></span>it hi<span class=\"_ _2\"></span>nreic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der <span class=\"_ _2\"></span>Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eit <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>\u00fcbt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob di<span class=\"_ _2\"></span>e Aus\u00fc<span class=\"_ _2\"></span>bung bz<span class=\"_ _2\"></span>w. Nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>aus\u00fcb<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ption<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>hinre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd s<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>eso<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, K<span class=\"_ _2\"></span>\u00fcndig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Kos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n im H<span class=\"_ _2\"></span>inblic<span class=\"_ _2\"></span>k au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s alt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he Ein<span class=\"_ _2\"></span>baute<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. E<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>um B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>sdat<span class=\"_ _2\"></span>um e<span class=\"_ _2\"></span>ine L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>von ma<span class=\"_ _2\"></span>xim<span class=\"_ _2\"></span>al 1<span class=\"_ _4\"></span>2 <span class=\"_ _2\"></span>Monat<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, lieg<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>in k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>. F\u00fcr k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>sse s<span class=\"_ _2\"></span>owie f<span class=\"_ _2\"></span>\u00fcr L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>euwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von 5 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac im B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>teig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, nim<span class=\"_ _2\"></span>mt di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vom Wahlrec<span class=\"_ _2\"></span>ht G<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht zu <span class=\"_ _2\"></span>bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar \u00fc<span class=\"_ _2\"></span>ber die L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>Leasinggeber:<span class=\"_ _9\"></span> W<span class=\"_ _9\"></span>erde<span class=\"_ _2\"></span>n im R<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>isses <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Eigent<span class=\"_ _2\"></span>um ve<span class=\"_ _2\"></span>rbun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Chan<span class=\"_ _2\"></span>cen <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>, h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>s sich <span class=\"_ _2\"></span>um ei<span class=\"_ _2\"></span>n Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>beur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>t ins<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re an<span class=\"_ _2\"></span>hand <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um ei<span class=\"_ _2\"></span>n als Fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>ln k\u00f6n<span class=\"_ _2\"></span>nte:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Am End<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisses <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>das Eig<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>um an <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Der L<span class=\"_ _2\"></span>easing<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmer <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die O<span class=\"_ _2\"></span>pti<span class=\"_ _2\"></span>on, <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>utl<span class=\"_ _2\"></span>ich n<span class=\"_ _2\"></span>iedr<span class=\"_ _2\"></span>i<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>ger <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>er zu<span class=\"_ _2\"></span>m m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Opt<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>aus\u00fcb<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass z<span class=\"_ _2\"></span>u B<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>nn de<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>es h<span class=\"_ _2\"></span>inrei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>Opt<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>ausge\u00fc<span class=\"_ _2\"></span>bt w<span class=\"_ _2\"></span>ird.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>wieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>eil de<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wen<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Eige<span class=\"_ _2\"></span>ntums<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht ni<span class=\"_ _2\"></span>cht \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Der Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>st so s<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>, dass er o<span class=\"_ _2\"></span>hne wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung nur vo<span class=\"_ _2\"></span>m Leasi<span class=\"_ _2\"></span>ngne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>r gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>W<span class=\"_ _9\"></span>erde<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>alle m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>em Eig<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>um ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Chan<span class=\"_ _2\"></span>cen \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nis al<span class=\"_ _2\"></span>s Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis e<span class=\"_ _2\"></span>inges<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>slea<span class=\"_ _2\"></span>sing we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>toinves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ion i<span class=\"_ _2\"></span>n das <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>ngebu<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ngr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>nteil <span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wobei <span class=\"_ _2\"></span>let<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r so <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s zu <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss sic<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>des Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>e pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>disc<span class=\"_ _2\"></span>h g<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hble<span class=\"_ _2\"></span>ibe<span class=\"_ _2\"></span>nde Re<span class=\"_ _2\"></span>ndite <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>toinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ting-<span class=\"_ _3\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar als <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis hat d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anz s<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>, je <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hde<span class=\"_ _2\"></span>m, o<span class=\"_ _2\"></span>b es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um beweg<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>verm<span class=\"_ _2\"></span>\u00f6gen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r um <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>n ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S 16 \u201e<span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanl<span class=\"_ _2\"></span>agen\u201c ode<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>38 <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>ater<span class=\"_ _2\"></span>iell<span class=\"_ _2\"></span>e Verm\u00f6<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>genswerte\u201c<span class=\"_ _9\"></span> for<span class=\"_ _2\"></span>tgeschrieben.<span class=\"_ _39f\"> </span>Kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fris<span class=\"_ _2\"></span>tiges V<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des b<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>fre<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Vorr\u00e4<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Lief<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und Verm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r May<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>fn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>orr<span class=\"_ _2\"></span>\u00e4te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zum n<span class=\"_ _2\"></span>iedr<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>us A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um Sko<span class=\"_ _2\"></span>nti <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>aba<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>owie \u00e4hnlic<span class=\"_ _2\"></span>he P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>smind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>tover<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>em g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>rdau<span class=\"_ _2\"></span>er o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>gemi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n, werde<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Nie<span class=\"_ _2\"></span>drig<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gesu<span class=\"_ _2\"></span>nkene<span class=\"_ _2\"></span>r Ver\u00e4u\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00f6se werden ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Prim\u00e4rmit<span class=\"_ _3\"></span>tel<span class=\"_ _39f\"> </span>Die P<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>n Positi<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den\u201c und \u201e<span class=\"_ _3\"></span>Son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n\u201c<span class=\"_ _9\"></span> der <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsk<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>\u201efor<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en\u201c sowie \u201e<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>alu<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>pti<span class=\"_ _2\"></span>on\u201c zusamm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>R\u00fcck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llungen<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n (Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>-, A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>-, J<span class=\"_ _2\"></span>ubil\u00e4<span class=\"_ _2\"></span>umsgel<span class=\"_ _2\"></span>d- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Ster<span class=\"_ _2\"></span>beq<span class=\"_ _2\"></span>uar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>verp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) werd<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df IA<span class=\"_ _2\"></span>S 19 nach d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n (\u201e<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ojec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>nit-<span class=\"_ _2\"></span>Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode\u201c) e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Verpfli<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>math<span class=\"_ _2\"></span>emat<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Gut<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>m Bil<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag bek<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Renten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tende<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S 37 ge<span class=\"_ _2\"></span>bild<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>he o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verpflic<span class=\"_ _2\"></span>htun<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>s zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s w<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>h is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>ung der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>uss von <span class=\"_ _2\"></span>Ressour<span class=\"_ _2\"></span>cen m<span class=\"_ _2\"></span>it w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>l\u00e4ssl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Verpflic<span class=\"_ _2\"></span>htu<span class=\"_ _2\"></span>ng m\u00f6g<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er j<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d N<span class=\"_ _2\"></span>euf<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung. <span class=\"_ _2\"></span>Dab<span class=\"_ _2\"></span>ei bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ungsu<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>im komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>zu Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sons<span class=\"_ _2\"></span>tige Verbindlichkei<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>inslic<span class=\"_ _2\"></span>h und <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m Nominalwer<span class=\"_ _2\"></span>t angeset<span class=\"_ _2\"></span>zt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Steueranspr\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Steuerschulden Ansp<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>he u<span class=\"_ _2\"></span>nd Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>en Posi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en \u201e<span class=\"_ _3\"></span>Steue<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e\u201c bzw. \u201e<span class=\"_ _2\"></span>Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c ausge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wiesen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>bilanz<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>ene <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>emp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>ar-K<span class=\"_ _2\"></span>onzept<span class=\"_ _3\"></span>, das <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze de<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te und Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Wert<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rnun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>zutr<span class=\"_ _2\"></span>ef<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fen<span class=\"_ _2\"></span>d sin<span class=\"_ _2\"></span>d, a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>esen <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nte Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>verp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bilan<span class=\"_ _2\"></span>ziere<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>euer<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcche <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>-ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>ten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>die Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng <span class=\"ff2 ls2 ws1\"> </span>mit d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive lat<span class=\"_ _2\"></span>ente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n auf n<span class=\"_ _2\"></span>och ni<span class=\"_ _2\"></span>cht ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>che Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge werd<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>nn bila<span class=\"_ _2\"></span>nzier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wenn e<span class=\"_ _2\"></span>s wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ich is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dass in der Zukunf<span class=\"_ _2\"></span>t zu v<span class=\"_ _9\"></span>ersteue<span class=\"_ _2\"></span>rnde Gewinne in entspre<span class=\"_ _2\"></span>chender H<span class=\"_ _2\"></span>\u00f6he e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tet wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Abzins<span class=\"_ _2\"></span>ungen f<span class=\"_ _2\"></span>\u00fcr la<span class=\"_ _2\"></span>tente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en nicht vor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie M\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hkeit d<span class=\"_ _2\"></span>er Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung w<span class=\"_ _2\"></span>ird von de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V als G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppe<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>\u00e4ger g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Echte <span class=\"_ _2\"></span>Pensionsgesch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te Echte <span class=\"_ _2\"></span>Pension<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te si<span class=\"_ _2\"></span>nd Vereinba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>es \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gen werde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hzeit<span class=\"_ _2\"></span>ig vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e sp\u00e4<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es im V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>s vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en Pe<span class=\"_ _2\"></span>nsionsg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n m\u00fcss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e inf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>age s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te ver<span class=\"_ _2\"></span>bl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>geln <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Liquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Pensio<span class=\"_ _2\"></span>nsgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als Verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n pass<span class=\"_ _2\"></span>ivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen <span class=\"_ _2\"></span>im K<span class=\"_ _2\"></span>reditgesch\u00e4f<span class=\"_ _3\"></span>t Der <span class=\"_ _2\"></span>Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovors<span class=\"_ _2\"></span>orge\u201c be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>Zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zu Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Aufl\u00f6<span class=\"_ _2\"></span>sung von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tigu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie D<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eibu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Eing<span class=\"_ _2\"></span>\u00e4ng<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts ausgeb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Provisions\u00fcbe<span class=\"_ _2\"></span>rschuss Der <span class=\"_ _2\"></span>Prov<span class=\"_ _2\"></span>isions<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss i<span class=\"_ _2\"></span>st d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>aldo <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4ge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>n Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se um<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>fa<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vor all<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>kehr, dem Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>em Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t sow<span class=\"_ _2\"></span>ie aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m Dev<span class=\"_ _2\"></span>ise<span class=\"_ _2\"></span>n-<span class=\"_ _2\"></span>, So<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Edelm<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>allge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Die<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg aus at-equity-<span class=\"_ _2\"></span>bewerteten Unternehmen<span class=\"_ _9\"></span> Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Post<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Handelser<span class=\"_ _2\"></span>gebnis<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>er Pos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>aus Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>von De<span class=\"_ _2\"></span>vise<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>piere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n und sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e unre<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgewin<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>d -ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tbe<span class=\"_ _2\"></span>wer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung vo<span class=\"_ _2\"></span>n Dev<span class=\"_ _2\"></span>ise<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _2\"></span>aus F<span class=\"_ _2\"></span>inanzgesch\u00e4f<span class=\"_ _2\"></span>ten Unte<span class=\"_ _2\"></span>r die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h re<span class=\"_ _2\"></span>alisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen u<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>igene<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>ission<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>wand Im Ver<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ltung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Sa<span class=\"_ _2\"></span>chau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and s<span class=\"_ _2\"></span>owie p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gever<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>auf i<span class=\"_ _2\"></span>mmate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>s Anl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f als <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>de abgegrenz<span class=\"_ _2\"></span>t ausgewiesen.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Perso<span class=\"_ _2\"></span>nala<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en werd<span class=\"_ _2\"></span>en L\u00f6<span class=\"_ _2\"></span>hne und G<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>\u00e4lte<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, v<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>iabl<span class=\"_ _2\"></span>e Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e, ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che un<span class=\"_ _2\"></span>d fre<span class=\"_ _2\"></span>iwi<span class=\"_ _2\"></span>llige Sozial<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>dungen<span class=\"_ _2\"></span>, pe<span class=\"_ _2\"></span>rso<span class=\"_ _2\"></span>nala<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>ige Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n und Ab<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben sow<span class=\"_ _2\"></span>ie Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (einschli<span class=\"_ _2\"></span>e\u00dflich d<span class=\"_ _2\"></span>er Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen) f\u00fcr Abf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, Pensio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, Jub<span class=\"_ _2\"></span>il\u00e4um<span class=\"_ _2\"></span>sgeld un<span class=\"_ _2\"></span>d Ster<span class=\"_ _2\"></span>beq<span class=\"_ _2\"></span>uar<span class=\"_ _3\"></span>tal ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>, sowe<span class=\"_ _2\"></span>it sie nic<span class=\"_ _2\"></span>ht im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Sa<span class=\"_ _2\"></span>chau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and sin<span class=\"_ _2\"></span>d neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m EDV-Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, dem R<span class=\"_ _2\"></span>auma<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>n Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n B\u00fcro<span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b, dem Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and f\u00fcr Werbung u<span class=\"_ _2\"></span>nd Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>ing und de<span class=\"_ _2\"></span>m Rech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>- und B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d noc<span class=\"_ _2\"></span>h sons<span class=\"_ _2\"></span>tige S<span class=\"_ _2\"></span>acha<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en en<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstiger betr<span class=\"_ _2\"></span>ieblicher Er<span class=\"_ _3\"></span>folg Im S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>folg <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>all je<span class=\"_ _2\"></span>ne E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>s ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t zuzur<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>zu z<span class=\"_ _2\"></span>\u00e4hle<span class=\"_ _2\"></span>n ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re die <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isse a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Vermie<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>/<span class=\"_ _3\"></span>Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>als Fin<span class=\"_ _2\"></span>anzinves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Im<span class=\"_ _2\"></span>mobili<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>, Warene<span class=\"_ _2\"></span>ins\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze sowi<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>l\u00f6se <span class=\"_ _2\"></span>aus b<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>m Ge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ersic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Seil<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus<span class=\"_ _2\"></span>ums\u00e4<span class=\"_ _2\"></span>tze<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>neb<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en aus s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Dot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung sow<span class=\"_ _2\"></span>ie Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Au<span class=\"_ _2\"></span>fl\u00f6su<span class=\"_ _2\"></span>ng von s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen R\u00fcckstellungen ausgewiesen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Steuern vom Eink<span class=\"_ _9\"></span>ommen und Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _39f\"> </span>In die<span class=\"_ _2\"></span>ser Posit<span class=\"_ _2\"></span>ion wer<span class=\"_ _2\"></span>den la<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde un<span class=\"_ _2\"></span>d late<span class=\"_ _2\"></span>nte Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n die in de<span class=\"_ _2\"></span>n einze<span class=\"_ _2\"></span>lnen K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nunte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en auf G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage de<span class=\"_ _2\"></span>r st<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>rlic<span class=\"_ _2\"></span>hen Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisse e<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>den Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>korr<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ure<span class=\"_ _2\"></span>n f\u00fcr Vorjahr<span class=\"_ _2\"></span>e sowie d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rab<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Ermessensentscheidungen, <span class=\"_ _2\"></span>Annahmen, Sc<span class=\"_ _2\"></span>h\u00e4tzungen<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n von E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ungen sowie <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>von Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>mit ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Unsic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>n in zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>n zu z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e An<span class=\"_ _2\"></span>passung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>te in der <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nz not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>mac<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d An<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ie P<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d na<span class=\"_ _2\"></span>ch h<span class=\"_ _2\"></span>eutig<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>wah<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hein<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, a<span class=\"_ _2\"></span>ussage<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz- un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gsl<span class=\"_ _2\"></span>age des U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns zu <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r di<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikolag<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzern<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ric<span class=\"_ _2\"></span>ht (ab Seite <span class=\"_ _2\"></span>373) ver<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>esentliche <span class=\"_ _2\"></span>Ermessensent<span class=\"_ _2\"></span>scheidungen<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hfo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>d werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Erme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, die d<span class=\"_ _2\"></span>as M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie die Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge im <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Sch\u00e4tzunsicherheiten<span class=\"_ _39f\"> </span>Die w<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>nahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>a\u00dfgebl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Q<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en von <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zunsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>im W<span class=\"_ _4\"></span>esentlichen v<span class=\"_ _9\"></span>on folgend<span class=\"_ _9\"></span>en Sachv<span class=\"_ _9\"></span>erhalten<span class=\"_ _9\"></span> betrof<span class=\"_ _2\"></span>fen:<span class=\"_ _39f\"> </span>Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Finanzinstrumenten<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>ann d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nde Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von D<span class=\"_ _2\"></span>aten eine<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ab<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>itet <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d er <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wendu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>schi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie I<span class=\"_ _2\"></span>nput-<span class=\"_ _39f\"> </span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Mod<span class=\"_ _2\"></span>ellb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soweit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, von <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tda<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leit<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die z<span class=\"_ _2\"></span>um Fa<span class=\"_ _2\"></span>ir Value au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>shie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>Fair Value zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Hier<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>chie <span class=\"_ _2\"></span>spieg<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>putd<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>wid<span class=\"_ _2\"></span>er un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t gegliedert:<span class=\"_ _39f\"> </span>Notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Prei<span class=\"_ _2\"></span>se in ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ven M\u00e4rk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n (Level 1<span class=\"_ _4\"></span>):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>th\u00e4l<span class=\"_ _2\"></span>t an <span class=\"_ _2\"></span>wich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B\u00f6<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>l, U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>uldti<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anle<span class=\"_ _2\"></span>ihen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Fair Value von in <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>reise <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>von r<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>m\u00e4\u00dfig s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>muss <span class=\"_ _2\"></span>kum<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>iv f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>te sin<span class=\"_ _2\"></span>d hom<span class=\"_ _2\"></span>ogen<span class=\"_ _2\"></span>, </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>swi<span class=\"_ _2\"></span>llige K<span class=\"_ _3\"></span>\u00e4ufe<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>d Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>r k\u00f6nn<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>. d<span class=\"_ _2\"></span>. R<span class=\"_ _3\"></span>. je<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Preise <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r \u00d6<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgung<span class=\"_ _2\"></span>.</span><span class=\"ls2 ws1\"> </span>Ein F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>anges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn n<span class=\"_ _2\"></span>otie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>ise l<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lm\u00e4\u00dfig <span class=\"_ _2\"></span>von ei<span class=\"_ _2\"></span>ner B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>H\u00e4n<span class=\"_ _2\"></span>dler <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>roker, einer <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>cheng<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>is-<span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ice<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Age<span class=\"_ _2\"></span>ntur <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bar sind u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>ese P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>se t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>s\u00e4c<span class=\"_ _2\"></span>hlich<span class=\"_ _2\"></span>e un<span class=\"_ _2\"></span>d sich <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfig er<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>rep<span class=\"_ _2\"></span>r\u00e4s<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>chtba<span class=\"_ _2\"></span>rer Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>eter (<span class=\"_ _2\"></span>Level 2):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>die OTC-<span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>kontr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value kl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Schul<span class=\"_ _2\"></span>dti<span class=\"_ _2\"></span>tel d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r nicht be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htbare<span class=\"_ _2\"></span>r Par<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er (Level 3): Die F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nput<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>auf, die <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Zuordn<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>vel<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eilung<span class=\"_ _3\"></span>, in<span class=\"_ _2\"></span>sbes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re wenn d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung s<span class=\"_ _2\"></span>owohl au<span class=\"_ _2\"></span>f b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h auf <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ruh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h unt<span class=\"_ _2\"></span>er Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>von \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h von <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>ntes <span class=\"_ _2\"></span>im Zeitablauf \u00e4nder<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>air Value <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren angewandt:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value lei<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B\u00f6<span class=\"_ _2\"></span>rse <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ionsp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>eha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hod<span class=\"_ _2\"></span>e bewe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ute<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig pr<span class=\"_ _2\"></span>ojizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>gee<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Fair Value zu e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>teln<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie D<span class=\"_ _2\"></span>iskont<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n sowoh<span class=\"_ _2\"></span>l die <span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kolose <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tau<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>chl\u00e4<span class=\"_ _2\"></span>ge (Credit Spre<span class=\"_ _2\"></span>ads), welche <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>angig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t des <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve zur <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>tet dabe<span class=\"_ _2\"></span>i am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>pot-, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds r<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>et si<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m 3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>1<span class=\"_ _4\"></span>)  E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ihe g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>anges <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Res<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wi<span class=\"_ _2\"></span>rd die<span class=\"_ _2\"></span>ser Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>2) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>kein<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are <span class=\"_ _2\"></span>am Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>te A<span class=\"_ _2\"></span>nlei<span class=\"_ _2\"></span>he, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t Swap <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>(CDS-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>) mit \u00e4hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wede<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbare <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>Anle<span class=\"_ _2\"></span>ihe <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv g<span class=\"_ _2\"></span>ehan<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>ter CD<span class=\"_ _2\"></span>S, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schl<span class=\"_ _2\"></span>ag ei<span class=\"_ _2\"></span>nes ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbar<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t (L<span class=\"_ _2\"></span>evel 3). <span class=\"_ _2\"></span>Zur<span class=\"_ _2\"></span>zeit g<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Anwe<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll im <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Stu<span class=\"_ _2\"></span>fe 3 <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t allge<span class=\"_ _2\"></span>mein <span class=\"_ _2\"></span>ane<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wesentl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Eing<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>spar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z sow<span class=\"_ _2\"></span>ie lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgr\u00f6<span class=\"_ _2\"></span>\u00dfen <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e Ke<span class=\"_ _2\"></span>nntn<span class=\"_ _2\"></span>isse der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>missio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>vel 2 <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mission<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>l am <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h vi<span class=\"_ _2\"></span>elme<span class=\"_ _2\"></span>hr um <span class=\"_ _2\"></span>Ret<span class=\"_ _2\"></span>ail<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Emi<span class=\"_ _2\"></span>ssione<span class=\"_ _2\"></span>n und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>plat<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t so<span class=\"_ _2\"></span>mit mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>es D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cash<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>sem liege<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>eldm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Swapzins<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>asie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>e Zi<span class=\"_ _2\"></span>nsk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>und K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>l\u00e4ge <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zug<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m Leve<span class=\"_ _2\"></span>l 2 z<span class=\"_ _2\"></span>ugeor<span class=\"_ _2\"></span>dnet<span class=\"_ _3\"></span>. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmen <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2 Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>mit s<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l sowi<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>mit a<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>m Aus<span class=\"_ _2\"></span>zahl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>profi<span class=\"_ _2\"></span>l. <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it s<span class=\"_ _2\"></span>ym<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>risc<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Ausz<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofil <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhalt<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate (<span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ps und Zins<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>) und Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sde<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>(F<span class=\"_ _2\"></span>X Sw<span class=\"_ _2\"></span>aps, <span class=\"_ _2\"></span>Cross <span class=\"_ _2\"></span>Curre<span class=\"_ _2\"></span>nc<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>Swaps u<span class=\"_ _2\"></span>nd F<span class=\"_ _2\"></span>X-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>igh<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te). Die<span class=\"_ _2\"></span>se Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd a<span class=\"_ _2\"></span>uf am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>ss\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>-Zinss\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>, Swaps<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>sspre<span class=\"_ _2\"></span>ads <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it as<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sder<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>(Caps und <span class=\"_ _2\"></span>Flo<span class=\"_ _2\"></span>ors). Die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des F<span class=\"_ _2\"></span>air Values er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t h<span class=\"_ _2\"></span>ier m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lack-7<span class=\"_ _4\"></span>6<span class=\"_ _3\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>prei<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inpu<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wede<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar <span class=\"_ _2\"></span>(Geldma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze, <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ture<span class=\"_ _2\"></span>s-Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze sow<span class=\"_ _2\"></span>ie Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze) oder <span class=\"_ _2\"></span>von am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren abgeleitet (implizite von Optionspreisen abgele<span class=\"_ _2\"></span>itete Cap/Floor<span class=\"_ _4\"></span>-V<span class=\"_ _9\"></span>olatilit\u00e4ten<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3 Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tels e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Dis<span class=\"_ _2\"></span>counte<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low-Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>ns bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zuk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Di<span class=\"_ _2\"></span>skontk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve wir<span class=\"_ _2\"></span>d dab<span class=\"_ _2\"></span>ei u<span class=\"_ _2\"></span>m ein <span class=\"_ _2\"></span>Epsil<span class=\"_ _2\"></span>on e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s so <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>libr<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t wir<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass d<span class=\"_ _2\"></span>as G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t zum Init<span class=\"_ _2\"></span>ialis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nom<span class=\"_ _2\"></span>inal<span class=\"_ _2\"></span>e en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n/-verlus<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>auf diese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>arc<span class=\"_ _2\"></span>hie un<span class=\"_ _2\"></span>d Fa<span class=\"_ _2\"></span>ir Values <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>otes <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d 36<span class=\"_ _2\"></span>a n\u00e4<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00e4ute<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen <span class=\"_ _2\"></span>im Ausleihungsgesch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sorg<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n hins<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>die Zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er Qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Zus\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>es f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wand<span class=\"_ _2\"></span>es an <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>n\u00f6tig<span class=\"_ _3\"></span>, di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he und d<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>hflows <span class=\"_ _2\"></span>zu s<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te (<span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en einzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellb<span class=\"_ _2\"></span>ar sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>gebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndet<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>zu bem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e um z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b sic<span class=\"_ _2\"></span>h da<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant erh<span class=\"_ _2\"></span>\u00f6ht h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd um <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>in fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r mit <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>int<span class=\"_ _2\"></span>r\u00e4c<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Boni<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>im T<span class=\"_ _9\"></span>eil \u201e<span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _2\"></span>\u201c <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _2\"></span>9 n<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Lang<span class=\"_ _3\"></span>fris<span class=\"_ _2\"></span>tige Personalr\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellungen La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls ver<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smat<span class=\"_ _2\"></span>hema<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>the<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>zu D<span class=\"_ _2\"></span>iskont<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z, <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, Ste<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it und k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Pens<span class=\"_ _2\"></span>ionsa<span class=\"_ _2\"></span>nheb<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstige R\u00fcck<span class=\"_ _2\"></span>stellungen Die Bi<span class=\"_ _2\"></span>ldung von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t eine Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, inwiewe<span class=\"_ _2\"></span>it das U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>nen Er<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n eine Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ten hat<span class=\"_ _3\"></span>. Zude<span class=\"_ _2\"></span>m sind be<span class=\"_ _2\"></span>i der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungen h<span class=\"_ _2\"></span>insic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h H\u00f6h<span class=\"_ _2\"></span>e und F\u00e4llig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der zu<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows not<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig. N<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>re De<span class=\"_ _2\"></span>tai<span class=\"_ _2\"></span>ls werd<span class=\"_ _2\"></span>en in N<span class=\"_ _2\"></span>ote 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>h darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. Der Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en wird mi<span class=\"_ _2\"></span>t hohe<span class=\"_ _2\"></span>r Wahrsch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it in de<span class=\"_ _2\"></span>n komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Jah<span class=\"_ _2\"></span>ren e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Recht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>reitigkeite<span class=\"_ _2\"></span>n der 3 B<span class=\"_ _2\"></span>anken mit d<span class=\"_ _2\"></span>er Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Ban<span class=\"_ _2\"></span>k Aust<span class=\"_ _9\"></span>ria <span class=\"_ _9\"></span>A<span class=\"_ _4\"></span>G und <span class=\"_ _9\"></span>der <span class=\"_ _9\"></span>CABO <span class=\"_ _9\"></span>Beteili<span class=\"_ _9\"></span>gungsgese<span class=\"_ _9\"></span>llschaft m.b.H.<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k Aus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ia AG und <span class=\"_ _2\"></span>die C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>BO B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>ein ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Bank <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>a AG dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>(ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsam <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>: \u201e<span class=\"_ _2\"></span>UniC<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t\u201c) <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>im Ma<span class=\"_ _2\"></span>i 2019 den A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ei<span class=\"_ _2\"></span>ne So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>hinsic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h s<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r dur<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 1<span class=\"_ _9\"></span>993 durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6hunge<span class=\"_ _2\"></span>n durch<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>nd ke<span class=\"_ _2\"></span>ine Zu<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung. <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or de<span class=\"_ _2\"></span>m Hi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>antr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>t die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>im J<span class=\"_ _2\"></span>uni 2<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>9 vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag wur<span class=\"_ _2\"></span>de s<span class=\"_ _2\"></span>owohl in <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h in z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anz a<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>agege<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s sc<span class=\"_ _2\"></span>hlie\u00dfl<span class=\"_ _2\"></span>ich m<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>des O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>s vom <span class=\"_ _2\"></span>25.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sod<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ieses <span class=\"_ _2\"></span>Ver<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ossen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s h<span class=\"_ _2\"></span>at die <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>Juni <span class=\"_ _2\"></span>2019 vor dem L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00fcsse d<span class=\"_ _2\"></span>er 1<span class=\"_ _9\"></span>01<span class=\"_ _9\"></span>. orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vom 1<span class=\"_ _9\"></span>6.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss vom 19.01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 h<span class=\"_ _2\"></span>at d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>bro<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>r Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>uss d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts Innsbruck be<span class=\"_ _2\"></span>endet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>0 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>vor d<span class=\"_ _2\"></span>em L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k ein<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tung e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>02<span class=\"_ _2\"></span>. ord<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>amml<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>vom 10.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>vom 0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2021 ha<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s-<span class=\"ff2 ls2 ws1\"> </span>ger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls z<span class=\"_ _2\"></span>ur K<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n unt<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>roc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Klag<span class=\"_ _2\"></span>e wu<span class=\"_ _2\"></span>rde u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit z<span class=\"_ _2\"></span>ur\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>luss <span class=\"ff2 ls2 ws1\"> </span>des L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2022 h<span class=\"_ _2\"></span>at di<span class=\"_ _2\"></span>e Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it vor <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>La<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f An<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>zelne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>0<span class=\"_ _2\"></span>4. o<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>mmlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V vom <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>022 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>2 st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reite<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nz wege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ife <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, das U<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il is<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>m 05<span class=\"_ _2\"></span>.01.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>owohl d<span class=\"_ _2\"></span>ie Wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ahl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r auf <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Dau<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>is zur orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V al<span class=\"_ _2\"></span>s auc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Wie<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ner auf d<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n jewei<span class=\"_ _2\"></span>ls f<span class=\"_ _2\"></span>\u00fcr ni<span class=\"_ _2\"></span>chtig <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung des B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>gne<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tdau<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>lt g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e hing<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>te 1. und 2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ur<span class=\"_ _3\"></span>teils <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t 3<span class=\"_ _2\"></span>. \u2013 <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at mi<span class=\"_ _2\"></span>t Ur<span class=\"_ _3\"></span>teil <span class=\"_ _2\"></span>vom 26<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4.<span class=\"_ _3\"></span>2023 <span class=\"_ _2\"></span>die En<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idung d<span class=\"_ _2\"></span>es La<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en 1. und 3<span class=\"_ _2\"></span>. b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd hi<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>tes 2<span class=\"_ _3\"></span>. da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>bege<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>n abgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>zul\u00e4<span class=\"_ _2\"></span>ssig e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ke<span class=\"_ _2\"></span>ine d<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teien <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r-<span class=\"_ _39f\"> </span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>isio<span class=\"_ _2\"></span>n an d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>hof <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soda<span class=\"_ _2\"></span>ss die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>Feb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ar 2<span class=\"_ _2\"></span>020 be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekomm<span class=\"_ _2\"></span>ission <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>, ob die b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en 3 <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>\u00e4rss<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he A<span class=\"_ _2\"></span>ngeb<span class=\"_ _2\"></span>ots<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t h\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wa<span class=\"_ _2\"></span>r von die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>als M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lied <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Syndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Bank <span class=\"_ _2\"></span>AG unmit<span class=\"_ _3\"></span>telba<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>hob <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einwan<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung un<span class=\"_ _2\"></span>d Wi<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>sbild<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Synd<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>te ver<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t sowi<span class=\"_ _2\"></span>e die<span class=\"_ _2\"></span>se insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 20<span class=\"_ _3\"></span>03 ihr <span class=\"_ _2\"></span>Stimmg<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht in <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>ausgeb<span class=\"_ _2\"></span>aut h<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>eine Ange<span class=\"_ _2\"></span>bot<span class=\"_ _2\"></span>spfl<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>l\u00f6st <span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>. Im <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um vom <span class=\"_ _2\"></span>28<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>09.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 b<span class=\"_ _2\"></span>is 01.<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>0.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 ha<span class=\"_ _2\"></span>t vor d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Bewe<span class=\"_ _2\"></span>isve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>am 03.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>kommis<span class=\"_ _2\"></span>sion z<span class=\"_ _2\"></span>um Sc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in ke<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Fall <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nahme<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ang<span class=\"_ _2\"></span>ebot<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>lag. <span class=\"_ _2\"></span>Den <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>de da<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tgeg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V am 0<span class=\"_ _2\"></span>5.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2023 f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>gere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>ursb<span class=\"_ _2\"></span>ean<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse<span class=\"_ _2\"></span>n vom <span class=\"_ _2\"></span>23.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 hat <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Wie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t nicht <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t kei<span class=\"_ _2\"></span>ne Verle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ngebo<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span> bet<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>ag. Da<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht W<span class=\"_ _2\"></span>ien b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n und folg<span class=\"_ _3\"></span>t dem Vorbr<span class=\"_ _2\"></span>ingen d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>. Da die Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit au<span class=\"_ _2\"></span>f die Er<span class=\"_ _2\"></span>hebu<span class=\"_ _2\"></span>ng von Recht<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ln ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>tet ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, is<span class=\"_ _2\"></span>t diese<span class=\"_ _2\"></span>s Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Am 2<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2021 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>age a<span class=\"_ _2\"></span>uf U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung und <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ziel <span class=\"_ _2\"></span>es z<span class=\"_ _2\"></span>usam<span class=\"_ _2\"></span>menge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t wa<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is von <span class=\"_ _2\"></span>im G<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t vor<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>en Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d von <span class=\"_ _2\"></span>den Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s ver<span class=\"_ _3\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immte <span class=\"_ _2\"></span>bish<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ige K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fcr n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig zu e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d <span class=\"ff2 ls2 ws1\"> </span>die re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Zul\u00e4<span class=\"_ _2\"></span>ssigke<span class=\"_ _2\"></span>it k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hung di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngig <span class=\"_ _2\"></span>zu ma<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s in d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>am 21.<span class=\"_ _10\"></span>10.<span class=\"_ _2\"></span>2021 s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n T<span class=\"_ _9\"></span>agsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung da<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tanz wegen <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>fe g<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>losse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il vom <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>021 hat d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>vollem <span class=\"_ _2\"></span>Umf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ng abg<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wies<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil vo<span class=\"_ _2\"></span>m 02<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6.<span class=\"_ _3\"></span>2022 <span class=\"_ _2\"></span>hat d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ck di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>m Um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ang ab<span class=\"_ _2\"></span>gewie<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>\u2013 die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>dage<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Revisio<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sho<span class=\"_ _2\"></span>fs <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t am 18.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 erg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>shof <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>in se<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t insbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>zum S<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss ge<span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s die <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>rech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he St<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htm\u00e4<span class=\"_ _2\"></span>\u00dfig is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>r von <span class=\"_ _2\"></span>den 3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hungen <span class=\"_ _2\"></span>im Ei<span class=\"_ _2\"></span>nkl<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig abges<span class=\"_ _2\"></span>chlo<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m se<span class=\"_ _2\"></span>lben <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>nst<span class=\"_ _3\"></span>weilige <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lassu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>erh<span class=\"_ _2\"></span>\u00f6hung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>es J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s 2<span class=\"_ _2\"></span>022 eing<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag w<span class=\"_ _2\"></span>urde vo<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Zusam<span class=\"_ _2\"></span>menf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ssend <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass s<span class=\"_ _2\"></span>\u00e4mt<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en nu<span class=\"_ _2\"></span>nmeh<span class=\"_ _2\"></span>r en<span class=\"_ _2\"></span>dg\u00fcl<span class=\"_ _2\"></span>tig a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>nh\u00e4ng<span class=\"_ _2\"></span>ig sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>tragsteuern<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>r\u00fch<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it je<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag ang<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, in desse<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ode<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>hre T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>lm\u00e4\u00dfige<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Late<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>Steuer<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bare <span class=\"_ _2\"></span>temp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>\u00e4re D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>r wir<span class=\"_ _2\"></span>d vor<span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in Zukun<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ein z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis zu<span class=\"_ _2\"></span>r Verrec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgu<span class=\"_ _2\"></span>ng st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n und Sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inns <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive la<span class=\"_ _2\"></span>tent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>anzus<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>zu l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n fi<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er N<span class=\"_ _2\"></span>ote 9<span class=\"_ _2\"></span>a<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>tuelle Ent<span class=\"_ _2\"></span>wicklungen mit B<span class=\"_ _2\"></span>ezug auf die Ermit<span class=\"_ _2\"></span>tlung der er<span class=\"_ _3\"></span>war<span class=\"_ _2\"></span>teten K<span class=\"_ _2\"></span>redit<span class=\"_ _2\"></span>verluste<span class=\"_ _39f\"> </span>Gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>einung <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>ndus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ie wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ark <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oble<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Rezessio<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>zule<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>e wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nosen <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>\u2013 ein <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwung i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>hin ni<span class=\"_ _2\"></span>cht i<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie von <span class=\"_ _2\"></span>Dona<span class=\"_ _2\"></span>ld T<span class=\"_ _9\"></span>rump <span class=\"_ _2\"></span>angedr<span class=\"_ _2\"></span>ohte<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsz\u00f6lle <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r USA <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er i<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>spar<span class=\"_ _3\"></span>tne<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die poli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>abi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t sowoh<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eltp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ebie<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>als we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Ver<span class=\"_ _9\"></span>-<span class=\"ff2 ls2 ws1\"> </span>flec<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lands <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>dust<span class=\"_ _2\"></span>rie <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>\u00d6ste<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>tsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t im <span class=\"_ _2\"></span>Ke<span class=\"_ _2\"></span>rnm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>BT<span class=\"_ _3\"></span>V un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. F<span class=\"_ _2\"></span>isk<span class=\"_ _2\"></span>alp<span class=\"_ _2\"></span>oliti<span class=\"_ _2\"></span>sche <span class=\"_ _2\"></span>Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>smar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>sum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ha<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d G<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n um run<span class=\"_ _2\"></span>d +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,0 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6ht<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>se Zun<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hung <span class=\"_ _2\"></span>um r<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>+41<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 un<span class=\"_ _2\"></span>d eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung um <span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d \u2212<span class=\"_ _9\"></span>1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>5 Mi<span class=\"_ _2\"></span>o. \u20ac i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und 2 <span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>m\u00e4r a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Verri<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>LGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>m \u2212<span class=\"_ _4\"></span>21<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>5 Mio. <span class=\"_ _2\"></span>\u20ac bzw. ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 2 um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1,0 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zus\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>ich h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 die <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>eln ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Se<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>em 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 wird <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Colle<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>tive<span class=\"_ _3\"></span>-Sta<span class=\"_ _2\"></span>ging<span class=\"_ _2\"></span>-A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>weig<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. Br<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>utomot<span class=\"_ _2\"></span>ive<span class=\"_ _2\"></span>, Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>nproj<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in Zweckg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugu<span class=\"_ _2\"></span>ng nic<span class=\"_ _2\"></span>ht me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ngewen<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. Stat<span class=\"_ _3\"></span>tdess<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>auwi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u, Realit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>nwesen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fcte<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>ugung <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Dab<span class=\"_ _2\"></span>ei w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>imulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>ls Resu<span class=\"_ _2\"></span>lta<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>als g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. nicht <span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rdet<span class=\"_ _2\"></span>en Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings<span class=\"_ _2\"></span>hif<span class=\"_ _3\"></span>t ange<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>adurc<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>net<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>auf K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e g<span class=\"_ _2\"></span>r\u00f6\u00dften <span class=\"_ _2\"></span>20 Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt de<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay, der a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ku<span class=\"_ _2\"></span>nd*i<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. dere<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>angewe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hrd<span class=\"_ _2\"></span>et einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay er<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 ge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ei<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bili<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>en<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ojek<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>ausr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig ge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird b<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie H<span class=\"_ _2\"></span>\u00f6he diese<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lays e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ache<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r (modellba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten) er<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur ad<span class=\"_ _2\"></span>\u00e4qua<span class=\"_ _2\"></span>ten B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n Sit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ne Mo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er di<span class=\"_ _2\"></span>e geg<span class=\"_ _2\"></span>enw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che<span class=\"_ _2\"></span>r Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n ad<span class=\"_ _2\"></span>just<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>djus<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Mod<span class=\"_ _2\"></span>ellkom<span class=\"_ _2\"></span>pone<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>es sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>die sze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>ioab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>C<span class=\"_ _9\"></span>ycle<span class=\"_ _2\"></span>- i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>v, unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Eige<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten d<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>isto<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>nzeit<span class=\"_ _2\"></span>reih<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zur T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Th<span class=\"_ _2\"></span>roug<span class=\"_ _2\"></span>h-<span class=\"_ _2\"></span>the<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>- in Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Ausf<span class=\"_ _2\"></span>allwahrsche<span class=\"_ _2\"></span>inlichkeiten genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>ative <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>npro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ind d<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>i ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>le P<span class=\"_ _2\"></span>rogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Fak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ou<span class=\"_ _2\"></span>tpu<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ga<span class=\"_ _2\"></span>ps und <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>BI<span class=\"_ _2\"></span>P<span class=\"_ _10\"></span>, <span class=\"_ _2\"></span>Ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>lose<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen) von vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nbie<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. O<span class=\"_ _2\"></span>ECD, EZB<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FO, EI<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>) in K<span class=\"_ _2\"></span>ombi<span class=\"_ _2\"></span>natio<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Russla<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>aine<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>Kr<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Ene<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>iep<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Einbe<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r W<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>ung von s<span class=\"_ _2\"></span>taa<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Stab<span class=\"_ _2\"></span>ilisie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>d ana<span class=\"_ _2\"></span>lysie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>um d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>uf a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>aue<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss auf d<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>rei <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>ein B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Verlauf <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>und m<span class=\"_ _2\"></span>it 6<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>gewi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>, sowi<span class=\"_ _2\"></span>e jewei<span class=\"_ _2\"></span>ls ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive und e<span class=\"_ _2\"></span>ine p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>ive Ab<span class=\"_ _2\"></span>weichu<span class=\"_ _2\"></span>ng vom B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io m<span class=\"_ _2\"></span>it ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>jeweils <span class=\"_ _2\"></span>20 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>iogew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htung<span class=\"_ _3\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n kor<span class=\"_ _2\"></span>resp<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Auf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f ein<span class=\"_ _2\"></span>e he<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche <span class=\"_ _2\"></span>Umge<span class=\"_ _2\"></span>bung <span class=\"_ _2\"></span>hinde<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nie<span class=\"_ _2\"></span>dr<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig ste<span class=\"_ _2\"></span>igend<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e hab<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum Vorjah<span class=\"_ _2\"></span>r le<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>\u00f6ht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>i Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>n jede<span class=\"_ _2\"></span>m Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r I<span class=\"_ _2\"></span>ntens<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4h<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Folge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>em je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>zugr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>e, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>die ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h die vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in Verbin<span class=\"_ _2\"></span>dung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>ng auf <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ausf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten w<span class=\"_ _2\"></span>idersp<span class=\"_ _2\"></span>iegeln:<span class=\"_ _39f\"> </span>Basisszenar<span class=\"_ _2\"></span>io<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Steiger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich zu <span class=\"_ _2\"></span>2024 \u2013 in <span class=\"_ _2\"></span>Relat<span class=\"_ _2\"></span>ion zu<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>chte<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Schwac<span class=\"_ _2\"></span>he i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>e Ko<span class=\"_ _2\"></span>njunk<span class=\"_ _3\"></span>tur d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>i Ko<span class=\"_ _2\"></span>nsum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t inf<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r En<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>annung <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t weit<span class=\"_ _2\"></span>er zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>nami<span class=\"_ _2\"></span>k ver<span class=\"_ _2\"></span>lang<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>t sich<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gut au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellt<span class=\"_ _2\"></span>e Unt<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>Hau<span class=\"_ _2\"></span>shalt<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n tie<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>Rezessio<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Geopolitische Unsicherheiten k\u00f6nnen Finanzmark<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>volatilit\u00e4t zw<span class=\"_ _2\"></span>ischenzeitlich erh\u00f6hen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Keine <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige L\u00f6s<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Russ<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ukr<span class=\"_ _2\"></span>ain<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Natio<span class=\"_ _2\"></span>nale <span class=\"_ _2\"></span>Unsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>s Bu<span class=\"_ _2\"></span>dgetd<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>zit<span class=\"_ _2\"></span>, n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Wachst<span class=\"_ _2\"></span>umse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>te h\u00e4<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>\u00f6he u<span class=\"_ _2\"></span>nd </span><span class=\"ls2 ws1\"> </span>der <span class=\"_ _2\"></span>konkr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Ausge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>onsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>ab<span class=\"_ _39f\"> </span>Pessimistischer<span class=\"_ _2\"></span>es (Down<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>)Szenario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Steige<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>namik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>aller<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>als i<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>\u2013 </span><span class=\"ls2 ws1\"> </span>die b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allz<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>au w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>epu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Euro<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Kr<span class=\"_ _2\"></span>ise un<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>duzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>die n\u00e4<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>5 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Es<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>lati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Uk<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ine bz<span class=\"_ _2\"></span>w. im N<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Globa<span class=\"_ _2\"></span>le Fro<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>obali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung u<span class=\"_ _2\"></span>nd zur <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n </span>Imp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z\u00f6ll<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>SA<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Budge<span class=\"_ _2\"></span>tkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in \u00d6<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>aste<span class=\"_ _2\"></span>t K<span class=\"_ _2\"></span>onsum <span class=\"_ _2\"></span>und I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>Optimis<span class=\"_ _2\"></span>tischere<span class=\"_ _2\"></span>s (Up<span class=\"_ _2\"></span>-)Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>ich g<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>inger<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung hi<span class=\"_ _2\"></span>n zu d<span class=\"_ _2\"></span>en l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Kein E<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>flo<span class=\"_ _2\"></span>cker<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>eop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>pannung<span class=\"_ _2\"></span>en </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Produk<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>szugew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>tum </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t weite<span class=\"_ _2\"></span>r zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k und <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>laub<span class=\"_ _2\"></span>t wei<span class=\"_ _2\"></span>tere <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">R\u00fcckg<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>parqu<span class=\"_ _2\"></span>ote au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Dur<span class=\"_ _2\"></span>chsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dadur<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hter <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>sum </span>Die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n dre<span class=\"_ _2\"></span>i Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m An<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ieg d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en im V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>let<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wei J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ihr<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t En<span class=\"_ _2\"></span>de 2<span class=\"_ _2\"></span>025, A<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>2026 e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bess<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>sich d<span class=\"_ _2\"></span>amit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n an<span class=\"_ _2\"></span>n\u00e4he<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. W<span class=\"_ _2\"></span>\u00e4hre<span class=\"_ _2\"></span>nd im <span class=\"_ _2\"></span>pess<span class=\"_ _2\"></span>imis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant h<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>re D<span class=\"_ _2\"></span>yn<span class=\"_ _2\"></span>amik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ller<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>eign<span class=\"_ _2\"></span>isse m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nzah<span class=\"_ _2\"></span>l an <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>asissze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>io unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird, <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wicke<span class=\"_ _2\"></span>ln si<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>im op<span class=\"_ _2\"></span>timis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>schn<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>nur kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en LGD<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr unb<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure (<span class=\"_ _2\"></span>Bla<span class=\"_ _2\"></span>nko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD) liege<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n von 45 <span class=\"_ _2\"></span>% bis <span class=\"_ _2\"></span>53 %<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m J<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r LGD<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te zu <span class=\"_ _2\"></span>keine<span class=\"_ _2\"></span>r \u00c4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des B<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>ko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD im <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. zu eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lanko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD im S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n von 5<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>4<span class=\"_ _9\"></span>7 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span> Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ingm<span class=\"_ _2\"></span>igr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsma<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>izen ak<span class=\"_ _3\"></span>tua<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt S<span class=\"_ _2\"></span>ensi<span class=\"_ _2\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>ten R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>getr<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgen\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dar. Nebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ECL<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>inzelb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die T<span class=\"_ _9\"></span>abell<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ECL<span class=\"_ _4\"></span>-<span class=\"_ _3\"></span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nung oh<span class=\"_ _2\"></span>ne di<span class=\"_ _2\"></span>e Ver<span class=\"_ _2\"></span>wendung <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ook<span class=\"_ _2\"></span>ing I<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ion<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e nur <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>1 bzw. nur <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>en Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>enzug<span class=\"_ _2\"></span>eh\u00f6r<span class=\"_ _2\"></span>igk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e die resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i durc<span class=\"_ _2\"></span>hg<span class=\"_ _2\"></span>\u00e4ngige<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bl<span class=\"_ _2\"></span>anko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sens<span class=\"_ _2\"></span>itiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>ALGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>kons<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>spal<span class=\"_ _2\"></span>ten ze<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 un<span class=\"_ _2\"></span>d Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>in p<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>ves Vorzeic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hung de<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ves Vorze<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Reduk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spal<span class=\"_ _2\"></span>te en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er Summe <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spalt<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>s res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikovors<span class=\"_ _2\"></span>orge <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>ige Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sensitivit\u00e4t der Risiko<span class=\"_ _4\"></span>vorsorge <span class=\"ls2\"> </span>in Stufe 1 und Stufe 2 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _221\"> </span><span class=\"fs6 lsb1 wscb\">Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 1<span class=\"_ _f5\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2<span class=\"_ _39f\"> </span></span>Stufe 1 + Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 2<span class=\"_ _128\"> </span><span class=\"lse wse\">Gesamt<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _222\"> </span>24.631<span class=\"_ _eb\"> </span>68.616<span class=\"_ _f4\"> </span>93.246<span class=\"_ _eb\"> </span>93.246<span class=\"_ _39f\"> </span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212986<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.648<span class=\"_ _eb\"> </span><span class=\"ff5\">91.599<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+6.711<span class=\"_ _114\"> </span>+5.898<span class=\"_ _144\"> </span>+12.609<span class=\"_ _112\"> </span><span class=\"ff5\">105.855<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22123.754<span class=\"_ _114\"> </span>\u22123.911<span class=\"_ _59\"> </span>\u22127.665<span class=\"_ _f4\"> </span><span class=\"ff5\">85.581<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22124.800<span class=\"_ _114\"> </span>\u22125.511<span class=\"_ _144\"> </span>\u221210.312<span class=\"_ _f4\"> </span><span class=\"ff5\">82.935<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22127.044<span class=\"_ _114\"> </span>\u22128.397<span class=\"_ _144\"> </span>\u221215.441<span class=\"_ _eb\"> </span><span class=\"ff5\">77.806<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+52.441<span class=\"_ _144\"> </span></span>\u221268.616<span class=\"_ _12d\"> </span>\u221216.175<span class=\"_ _f4\"> </span><span class=\"ff5\">77.072<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221224.631<span class=\"_ _144\"> </span><span class=\"ff2\">+80.854<span class=\"_ _12d\"> </span>+56.224<span class=\"_ _112\"> </span><span class=\"ff5\">149.470<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+6.094<span class=\"_ _144\"> </span></span>\u221243.073<span class=\"_ _12d\"> </span>\u221236.979<span class=\"_ _eb\"> </span><span class=\"ff5\">56.267<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22128.497<span class=\"_ _114\"> </span>\u22129.582<span class=\"_ _144\"> </span>\u221218.079<span class=\"_ _eb\"> </span><span class=\"ff5\">75.167<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+5.976<span class=\"_ _114\"> </span>+6.770<span class=\"_ _144\"> </span>+12.746<span class=\"_ _112\"> </span><span class=\"ff5\">105.992<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tberichtigungen Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _1d2\"> </span><span class=\"wse\">13.245<span class=\"_ _f4\"> </span>39.934<span class=\"_ _eb\"> </span>53.178<span class=\"_ _f4\"> </span>53.178<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212515<span class=\"_ _57\"> </span>\u2212449<span class=\"_ _57\"> </span>\u2212964<span class=\"_ _eb\"> </span><span class=\"ff5\">52.214<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+3.680<span class=\"_ _114\"> </span>+3.965<span class=\"_ _59\"> </span>+7.646<span class=\"_ _f4\"> </span><span class=\"ff5\">60.824<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22122.015<span class=\"_ _114\"> </span>\u22122.721<span class=\"_ _59\"> </span>\u22124.737<span class=\"_ _f4\"> </span><span class=\"ff5\">48.441<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22122.592<span class=\"_ _114\"> </span>\u22123.438<span class=\"_ _114\"> </span>\u22126.030<span class=\"_ _eb\"> </span><span class=\"ff5\">47.148<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22123.800<span class=\"_ _114\"> </span>\u22125.607<span class=\"_ _59\"> </span>\u22129.407<span class=\"_ _f4\"> </span><span class=\"ff5\">43.771<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+27.459<span class=\"_ _144\"> </span></span>\u221239.934<span class=\"_ _12d\"> </span>\u221212.475<span class=\"_ _f4\"> </span><span class=\"ff5\">40.704<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221213.245<span class=\"_ _144\"> </span><span class=\"ff2\">+49.634<span class=\"_ _12d\"> </span>+36.389<span class=\"_ _f4\"> </span><span class=\"ff5\">89.568<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+3.759<span class=\"_ _144\"> </span></span>\u221228.624<span class=\"_ _12d\"> </span>\u221224.865<span class=\"_ _eb\"> </span><span class=\"ff5\">28.314<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22124.595<span class=\"_ _114\"> </span>\u22126.683<span class=\"_ _144\"> </span>\u221211.278<span class=\"_ _eb\"> </span><span class=\"ff5\">41.900<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+3.383<span class=\"_ _114\"> </span>+4.783<span class=\"_ _59\"> </span>+8.167<span class=\"_ _f4\"> </span><span class=\"ff5\">61.345<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen nicht ausg<span class=\"_ _9\"></span>en\u00fctzte Rahmen<span class=\"_ _b5\"> </span><span class=\"wse\">8.298<span class=\"_ _f4\"> </span>13.174<span class=\"_ _eb\"> </span>21.471<span class=\"_ _f4\"> </span>21.471<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212349<span class=\"_ _57\"> </span>\u2212119<span class=\"_ _57\"> </span>\u2212468<span class=\"_ _eb\"> </span><span class=\"ff5\">21.004<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+2.200<span class=\"_ _114\"> </span>+1.207<span class=\"_ _59\"> </span>+3.407<span class=\"_ _f4\"> </span><span class=\"ff5\">24.878<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22121.273<span class=\"_ _57\"> </span>\u2212747<span class=\"_ _114\"> </span>\u22122.020<span class=\"_ _eb\"> </span><span class=\"ff5\">19.451<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22121.604<span class=\"_ _114\"> </span>\u22121.411<span class=\"_ _114\"> </span>\u22123.015<span class=\"_ _eb\"> </span><span class=\"ff5\">18.456<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22122.347<span class=\"_ _114\"> </span>\u22122.005<span class=\"_ _59\"> </span>\u22124.352<span class=\"_ _f4\"> </span><span class=\"ff5\">17.119<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+10.379<span class=\"_ _144\"> </span></span>\u221213.174<span class=\"_ _114\"> </span>\u22122.794<span class=\"_ _f4\"> </span><span class=\"ff5\">18.677<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22128.298<span class=\"_ _144\"> </span><span class=\"ff2\">+25.389<span class=\"_ _12d\"> </span>+17.091<span class=\"_ _eb\"> </span><span class=\"ff5\">38.563<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+1.632<span class=\"_ _144\"> </span></span>\u221210.427<span class=\"_ _114\"> </span>\u22128.794<span class=\"_ _eb\"> </span><span class=\"ff5\">12.677<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22122.854<span class=\"_ _114\"> </span>\u22121.825<span class=\"_ _59\"> </span>\u22124.680<span class=\"_ _f4\"> </span><span class=\"ff5\">16.792<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+1.891<span class=\"_ _114\"> </span>+1.270<span class=\"_ _59\"> </span>+3.160<span class=\"_ _f4\"> </span><span class=\"ff5\">24.632<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen Garantien<span class=\"_ _226\"> </span><span class=\"wse\">3.088<span class=\"_ _eb\"> </span>15.508<span class=\"_ _f4\"> </span>18.597<span class=\"_ _eb\"> </span>18.597<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212122<span class=\"_ _4f\"> </span>\u221294<span class=\"_ _14b\"> </span>\u2212216<span class=\"_ _f4\"> </span><span class=\"ff5\">18.381<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+831<span class=\"_ _57\"> </span>+725<span class=\"_ _114\"> </span>+1.556<span class=\"_ _eb\"> </span><span class=\"ff5\">20.153<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u2212466<span class=\"_ _57\"> </span>\u2212442<span class=\"_ _57\"> </span>\u2212909<span class=\"_ _eb\"> </span><span class=\"ff5\">17.688<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _b0\"> </span><span class=\"lse wse\">\u2212604<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.267<span class=\"_ _eb\"> </span><span class=\"ff5\">17.330<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u2212896<span class=\"_ _57\"> </span>\u2212785<span class=\"_ _114\"> </span>\u22121.681<span class=\"_ _eb\"> </span><span class=\"ff5\">16.915<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+14.603<span class=\"_ _144\"> </span></span>\u221215.508<span class=\"_ _57\"> </span>\u2212906<span class=\"_ _f4\"> </span><span class=\"ff5\">17.691<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22123.088<span class=\"_ _114\"> </span><span class=\"ff2\">+5.831<span class=\"_ _59\"> </span>+2.743<span class=\"_ _f4\"> </span><span class=\"ff5\">21.340<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _227\"> </span><span class=\"ff2\">+703<span class=\"_ _114\"> </span></span>\u22124.023<span class=\"_ _59\"> </span>\u22123.320<span class=\"_ _f4\"> </span><span class=\"ff5\">15.277<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22121.047<span class=\"_ _114\"> </span>\u22121.074<span class=\"_ _59\"> </span>\u22122.121<span class=\"_ _f4\"> </span><span class=\"ff5\">16.475<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _151\"> </span><span class=\"ff2\">+702<span class=\"_ _57\"> </span>+717<span class=\"_ _114\"> </span>+1.419<span class=\"_ _eb\"> </span><span class=\"ff5\">20.016<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>lust<span class=\"_ _2\"></span>e sin<span class=\"_ _2\"></span>d in d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _3\"></span>4 und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>hang<span class=\"_ _2\"></span>sang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b Se<span class=\"_ _2\"></span>ite 335 be<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht ab Se<span class=\"_ _2\"></span>ite 373 we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikosit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ge<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>\u00e4nen k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n es zu ei<span class=\"_ _2\"></span>nem B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st bz<span class=\"_ _2\"></span>w. -gew<span class=\"_ _2\"></span>inn de<span class=\"_ _2\"></span>s einzel<span class=\"_ _2\"></span>nen K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s komme<span class=\"_ _2\"></span>n, der in d<span class=\"_ _2\"></span>er Rege<span class=\"_ _2\"></span>l mit e<span class=\"_ _2\"></span>iner e<span class=\"_ _2\"></span>inma<span class=\"_ _2\"></span>ligen A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung des B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>ts a<span class=\"_ _2\"></span>ls unwese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Mo<span class=\"_ _2\"></span>difik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages i<span class=\"_ _2\"></span>n der Ge<span class=\"_ _2\"></span>-<span class=\"ff2\"> </span>winn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung der BT<span class=\"_ _3\"></span>V er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst wi<span class=\"_ _2\"></span>rd. Im J<span class=\"_ _2\"></span>ahr 2024 <span class=\"_ _9\"></span>wurd<span class=\"_ _2\"></span>en diesb<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich +<span class=\"_ _4\"></span>352 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>20<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _2\"></span>) im Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ergebnis <span class=\"_ _9\"></span>ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>4 beschrieben.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-511": {
   "value": "Konsolid<span class=\"_ _2\"></span>ierung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds\u00e4t<span class=\"_ _3\"></span>ze und Kons<span class=\"_ _2\"></span>olidier<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>reis<span class=\"_ _39f\"> </span>Alle <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10 von der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>behe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>0 in d<span class=\"_ _2\"></span>en Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>scht <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s se<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Eng<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ment <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. Anr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>f dies<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>F\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>walt <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>flusse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bsme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>genl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>antei<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>ten Verm\u00f6<span class=\"_ _2\"></span>gensge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde u<span class=\"_ _2\"></span>nd Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit i<span class=\"_ _2\"></span>hrem <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bszeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t anzu<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>m Ante<span class=\"_ _2\"></span>il an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gensg<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Sc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>dsbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>overm\u00f6<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>als F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>u ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>38 <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r j\u00e4<span class=\"_ _2\"></span>hrli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keit<span class=\"_ _2\"></span>s\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng zu u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Nich<span class=\"_ _2\"></span>t vollkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>-, <span class=\"_ _2\"></span>Fina<span class=\"_ _2\"></span>nz- und <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>ge de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns in<span class=\"_ _2\"></span>sgesa<span class=\"_ _2\"></span>mt von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>geo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung si<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-8": {
   "value": "Konsolid<span class=\"_ _2\"></span>ierung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds\u00e4t<span class=\"_ _3\"></span>ze und Kons<span class=\"_ _2\"></span>olidier<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>reis<span class=\"_ _39f\"> </span>Alle <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10 von der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>behe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>0 in d<span class=\"_ _2\"></span>en Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>scht <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s se<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Eng<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ment <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. Anr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>f dies<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>F\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>walt <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>flusse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bsme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>genl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>antei<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>ten Verm\u00f6<span class=\"_ _2\"></span>gensge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde u<span class=\"_ _2\"></span>nd Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit i<span class=\"_ _2\"></span>hrem <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im Er<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>bszeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t anzu<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>m Ante<span class=\"_ _2\"></span>il an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gensg<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Sc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>dsbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>overm\u00f6<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>als F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>u ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 3 i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>38 <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r j\u00e4<span class=\"_ _2\"></span>hrli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keit<span class=\"_ _2\"></span>s\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng zu u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Nich<span class=\"_ _2\"></span>t vollkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>-, <span class=\"_ _2\"></span>Fina<span class=\"_ _2\"></span>nz- und <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>ge de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns in<span class=\"_ _2\"></span>sgesa<span class=\"_ _2\"></span>mt von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>geo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung si<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>3 wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>esi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zgese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t N1 Gmb<span class=\"_ _2\"></span>H mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>uns w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>am 2<span class=\"_ _2\"></span>3.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 mi<span class=\"_ _2\"></span>t Eint<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>im F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>uch g<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>r\u00fcnd<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Le<span class=\"_ _2\"></span>asing T<span class=\"_ _9\"></span>eilkonze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>m es <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Juli <span class=\"_ _2\"></span>2024 wurd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Rea<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Leas<span class=\"_ _2\"></span>ing Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Real<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>I Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>., <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Real<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng I<span class=\"_ _2\"></span>I G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Rea<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Leas<span class=\"_ _2\"></span>ing I<span class=\"_ _2\"></span>V Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V-A<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>2 Gm<span class=\"_ _2\"></span>bH a<span class=\"_ _2\"></span>ls \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>e G<span class=\"_ _2\"></span>esell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Anl<span class=\"_ _2\"></span>agenl<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng 3 G<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. als <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hmolze<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>uris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng Gm<span class=\"_ _2\"></span>bH <span class=\"_ _2\"></span>(vormals: <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>altu<span class=\"_ _2\"></span>ng 4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 Gm<span class=\"_ _2\"></span>bH) <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>z i<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Ho<span class=\"_ _2\"></span>lding<span class=\"_ _2\"></span>ge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die vol<span class=\"_ _2\"></span>lkonsol<span class=\"_ _2\"></span>idier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Seil<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en im<span class=\"_ _2\"></span>ple<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im K<span class=\"_ _2\"></span>onsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>reis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V b<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd wi<span class=\"_ _2\"></span>rd mit 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>als voll<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Ti<span class=\"_ _2\"></span>rol u<span class=\"_ _2\"></span>nd Vorar<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>g A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t di<span class=\"_ _2\"></span>e im F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Bete<span class=\"_ _2\"></span>iligungen:<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>ollkonsolidierte Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _206\"> </span> Anteil in % <span class=\"lse wse\">Stimm-</span> rechte in %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _198\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing III <span class=\"_ _2\"></span>Nachfolge GmbH &amp; <span class=\"_ _2\"></span>Co KG, Innsbruck<span class=\"_ _1ec\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing V Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbruck<span class=\"_ _207\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 1 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 3 <span class=\"_ _2\"></span>Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _209\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 4 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Deutschland <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>M\u00fcnchen<span class=\"_ _20a\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Schweiz AG, Staad<span class=\"_ _20b\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>TiMe Ho<span class=\"_ _2\"></span>lding GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20c\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus Holding <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _20d\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Holding GmbH<span class=\"_ _2\"></span>, Schr<span class=\"_ _2\"></span>uns<span class=\"_ _20e\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergbahnen <span class=\"_ _2\"></span>GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _20f\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Gastronomie <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _50\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Skischule Schruns <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _1d4\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>thotel GmbH &amp; <span class=\"_ _2\"></span>Co. KG, Gaschurn<span class=\"_ _210\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>TOP Schruns GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _159\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>tshops GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _203\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 %<span class=\"_ _39f\"> </span>Skischule Silvretta <span class=\"_ _2\"></span>Montafon St<span class=\"_ _2\"></span>. Gallenkirch <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch<span class=\"_ _73\"> </span>50,00 %<span class=\"_ _4f\"> </span>50,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergerlebnisse GmbH<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Schruns<span class=\"_ _211\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch Hotel Joint <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>enture GmbH<span class=\"_ _1c8\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>N1 GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _212\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Mayrhofner Bergbahne<span class=\"_ _2\"></span>n Aktiengesellschaf<span class=\"_ _2\"></span>t, <span class=\"_ _2\"></span>Mayrhofen<span class=\"_ _213\"> </span>50,52 %<span class=\"_ _214\"> </span>50,52 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V 2000 <span class=\"_ _2\"></span>Beteiligungsver<span class=\"_ _2\"></span>waltungsgesellschaft <span class=\"_ _2\"></span>m.b.H<span class=\"_ _2\"></span>., Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _215\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Beteiligungsholding 5000 GmbH<span class=\"_ _2\"></span>, Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _216\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Wilhelm-Greil-Stra\u00dfe <span class=\"_ _2\"></span>4 GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20d\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>in abwe<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f und <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V 20<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>hr G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tsj<span class=\"_ _2\"></span>ahr m<span class=\"_ _2\"></span>it 3<span class=\"_ _2\"></span>0.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1. Die G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>ll<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t h<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>sais<span class=\"_ _2\"></span>onal<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n abwei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Stich<span class=\"_ _2\"></span>tag<span class=\"_ _2\"></span>. Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d st<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nor<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anisa<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n Leas<span class=\"_ _2\"></span>ing-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag.<span class=\"_ _39f\"> </span>Die r<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>vollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Mit 19.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 wur<span class=\"_ _2\"></span>de de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nlea<span class=\"_ _2\"></span>sing 4 <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H vom <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>umges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Kons<span class=\"_ _2\"></span>olidi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>is wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>um die <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>oder Ereig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n am <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. bz<span class=\"_ _2\"></span>w. 30.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>. und d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Konzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tag <span class=\"_ _2\"></span>am 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die BT<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus Ho<span class=\"_ _2\"></span>lding G<span class=\"_ _2\"></span>mbH h<span class=\"_ _2\"></span>\u00e4lt An<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e an der S<span class=\"_ _2\"></span>ilvr<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon H<span class=\"_ _2\"></span>olding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowie an d<span class=\"_ _2\"></span>er May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"ff2\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n den A<span class=\"_ _2\"></span>ntei<span class=\"_ _2\"></span>len d<span class=\"_ _2\"></span>er Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n Hol<span class=\"_ _2\"></span>ding Gm<span class=\"_ _2\"></span>bH be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n ledig<span class=\"_ _2\"></span>lich i<span class=\"_ _2\"></span>ndire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>icht b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>nde A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>e, die aus de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung an d<span class=\"_ _2\"></span>er Sk<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hule Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>on St<span class=\"_ _2\"></span>. Ga<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>kirc<span class=\"_ _2\"></span>h Gmb<span class=\"_ _2\"></span>H res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. Es be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>te nic<span class=\"_ _2\"></span>ht beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>, die aus d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Konze<span class=\"_ _2\"></span>rnja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss<span class=\"_ _2\"></span>, der de<span class=\"_ _2\"></span>n nich<span class=\"_ _2\"></span>t beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>en zuge<span class=\"_ _2\"></span>wiese<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>03 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _39f\"> </span>Die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en AG w<span class=\"_ _2\"></span>ies zu<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag (<span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>) Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 16<span class=\"_ _9\"></span>3.709 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>45<span class=\"_ _2\"></span>.014 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>5<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.033 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _a\"></span>), Erl\u00f6s<span class=\"_ _2\"></span>e in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 55.<span class=\"_ _3\"></span>821 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.467 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>862 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.<span class=\"_ _2\"></span>297 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), e<span class=\"_ _2\"></span>in so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>iges <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von \u2212<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>57 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u22121<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) und ein <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>jahr<span class=\"_ _2\"></span>eser<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.705 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) au<span class=\"_ _2\"></span>f.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nbezo<span class=\"_ _2\"></span>gen:<span class=\"_ _39f\"> </span>At-equity-k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _217\"> </span><span class=\"ls2\"> </span>Anteil in %<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG, Kl<span class=\"_ _2\"></span>agenfur<span class=\"_ _2\"></span>t<span class=\"_ _218\"> </span>17,87 %<span class=\"_ _39f\"> </span>Oberbank AG, <span class=\"_ _2\"></span>Linz <span class=\"_ _219\"> </span>16,45 %<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _21a\"> </span>24,99 %<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>fur<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in Li<span class=\"_ _2\"></span>nz sin<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>gion<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Unive<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>alban<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d bil<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sam <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Mo<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lags<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>ten P<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>t (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>geszei<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>swoc<span class=\"_ _2\"></span>henze<span class=\"_ _2\"></span>itung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mag<span class=\"_ _2\"></span>azi<span class=\"_ _2\"></span>ne<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>Onl<span class=\"_ _2\"></span>ine t<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>aus f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nabsc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezo<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen<span class=\"_ _2\"></span>, obwo<span class=\"_ _2\"></span>hl sie <span class=\"_ _2\"></span>die 2<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgre<span class=\"_ _2\"></span>nze nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>an de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>k AG bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nk AG bz<span class=\"_ _2\"></span>w. f\u00fcr d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG best<span class=\"_ _2\"></span>eht <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und de<span class=\"_ _2\"></span>r G3B <span class=\"_ _2\"></span>Ho<span class=\"_ _2\"></span>lding <span class=\"_ _2\"></span>AG jeweils <span class=\"_ _2\"></span>ein Syn<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>Zweck die E<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>igens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ute i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Somi<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>M\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>ma\u00dfgeb<span class=\"_ _2\"></span>li<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>chen Einfl<span class=\"_ _2\"></span>uss auszu\u00fcben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den je<span class=\"_ _2\"></span>weils mit St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>09. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, um eine ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung zu erm\u00f6glichen. Die A<span class=\"_ _2\"></span>LPE<span class=\"_ _2\"></span>NL<span class=\"_ _3\"></span>\u00c4N<span class=\"_ _2\"></span>DI<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>E G<span class=\"_ _2\"></span>AR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>TI<span class=\"_ _2\"></span>E - <span class=\"_ _2\"></span>GE<span class=\"_ _2\"></span>SE<span class=\"_ _2\"></span>LL<span class=\"_ _2\"></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>onzessi<span class=\"_ _2\"></span>on ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>\u00a7 1 A<span class=\"_ _2\"></span>bs<span class=\"_ _2\"></span>. 1 Z <span class=\"_ _2\"></span>8 BWG<span class=\"_ _2\"></span>. Aussc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfliche<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>sgege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hme <span class=\"_ _2\"></span>von Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>\u00fcrg<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tivge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r 3 B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im We<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie ei<span class=\"_ _2\"></span>nzige Q<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>le f<span class=\"_ _2\"></span>\u00fcr Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eitr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Des<span class=\"_ _2\"></span>halb er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>te na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.B29<span class=\"_ _3\"></span>-3<span class=\"_ _9\"></span>2 ein<span class=\"_ _2\"></span>e Eins<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng als <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>einsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>he T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie an<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te und <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Anteilsm\u00e4\u00dfig k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _143\"> </span> Anteil in %<span class=\"_ _39f\"> </span>ALPENL\u00c4NDISCHE GARANT<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- GESELL<span class=\"_ _2\"></span>SCHAF<span class=\"_ _2\"></span>T m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>. <span class=\"_ _21b\"> </span>25,00 %<span class=\"_ _39f\"> </span>Die O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG is<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>50 %<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S AG und d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>AG sind je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>zu 25 <span class=\"_ _2\"></span>% an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALP<span class=\"_ _2\"></span>EN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4N<span class=\"_ _2\"></span>D<span class=\"_ _2\"></span>ISCH<span class=\"_ _2\"></span>E <span class=\"_ _2\"></span>GAR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- G<span class=\"_ _2\"></span>ES<span class=\"_ _2\"></span>ELL<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. (<span class=\"_ _2\"></span>i. d<span class=\"_ _2\"></span>. F<span class=\"_ _9\"></span>. kur<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>\u201e<span class=\"_ _3\"></span>ALGAR<span class=\"_ _2\"></span>\u201c) <span class=\"_ _2\"></span>bete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR<span class=\"_ _3\"></span>, die \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>konzes<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>on ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>me von <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>lehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobei <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Aus-<span class=\"ff2 ls2 ws1\"> </span>ma\u00df d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uchn<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R vor<span class=\"_ _2\"></span>hande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iele<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n res<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vier<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>(H<span class=\"_ _2\"></span>\u00f6chs<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ige I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>). <span class=\"_ _2\"></span>Die La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ie is<span class=\"_ _2\"></span>t ze<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>limit<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n l<span class=\"_ _2\"></span>aufe<span class=\"_ _2\"></span>nd <span class=\"_ _2\"></span>ein G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt zu <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch im Fa<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6ht (Malus<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>). Zum 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 ste<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten Volumen von 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>357<span class=\"_ _10\"></span>.<span class=\"_ _3\"></span>31<span class=\"_ _10\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>25.<span class=\"_ _3\"></span>878.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ei<span class=\"_ _2\"></span>ne R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>LGAR in H\u00f6h<span class=\"_ _2\"></span>e von 45<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>339 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>20.<span class=\"_ _3\"></span>555 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber. Da der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tievol<span class=\"_ _2\"></span>umen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st den <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>eif<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag die <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>chen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>s mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG gesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>einkom<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it (<span class=\"_ _2\"></span>J<span class=\"_ _2\"></span>oint O<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion) iSd I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1 <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Insowe<span class=\"_ _2\"></span>it se<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>ns de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nrec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R da<span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ies b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>figen <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iee<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen angem<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>obligo<span class=\"_ _2\"></span>s, f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALGAR <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>noc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lene <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>volume<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>mange<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Zuord<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er Vorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>zu sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Dar<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hend <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch f\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 d<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete L<span class=\"_ _2\"></span>ife<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>utig <span class=\"_ _2\"></span>zuord<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 9.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>9<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.724 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 3 w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Vorsor<span class=\"_ _2\"></span>gen i<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>3.457 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 7<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>34 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e pe<span class=\"_ _2\"></span>r 31<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>zembe<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 nic<span class=\"_ _2\"></span>ht in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f <span class=\"ff2 ls2 ws1\"> </span>Note <span class=\"_ _2\"></span>42 auf S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-512": {
   "value": "Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>3 wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>esi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zgese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t N1 Gmb<span class=\"_ _2\"></span>H mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>uns w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>am 2<span class=\"_ _2\"></span>3.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 mi<span class=\"_ _2\"></span>t Eint<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>im F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>uch g<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>r\u00fcnd<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Le<span class=\"_ _2\"></span>asing T<span class=\"_ _9\"></span>eilkonze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>m es <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Juli <span class=\"_ _2\"></span>2024 wurd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Rea<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Leas<span class=\"_ _2\"></span>ing Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Real<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>I Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>., <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Real<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng I<span class=\"_ _2\"></span>I G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Rea<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Leas<span class=\"_ _2\"></span>ing I<span class=\"_ _2\"></span>V Ges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V-A<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>2 Gm<span class=\"_ _2\"></span>bH a<span class=\"_ _2\"></span>ls \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>e G<span class=\"_ _2\"></span>esell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V-<span class=\"_ _2\"></span>Anl<span class=\"_ _2\"></span>agenl<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng 3 G<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. als <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hmolze<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-615": {
   "value": "Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Ti<span class=\"_ _2\"></span>rol u<span class=\"_ _2\"></span>nd Vorar<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>g A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t di<span class=\"_ _2\"></span>e im F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Bete<span class=\"_ _2\"></span>iligungen:<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>ollkonsolidierte Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _206\"> </span> Anteil in % <span class=\"lse wse\">Stimm-</span> rechte in %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _198\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing III <span class=\"_ _2\"></span>Nachfolge GmbH &amp; <span class=\"_ _2\"></span>Co KG, Innsbruck<span class=\"_ _1ec\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing V Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbruck<span class=\"_ _207\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 1 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 3 <span class=\"_ _2\"></span>Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _209\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 4 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Deutschland <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>M\u00fcnchen<span class=\"_ _20a\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Schweiz AG, Staad<span class=\"_ _20b\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>TiMe Ho<span class=\"_ _2\"></span>lding GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20c\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus Holding <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _20d\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Holding GmbH<span class=\"_ _2\"></span>, Schr<span class=\"_ _2\"></span>uns<span class=\"_ _20e\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergbahnen <span class=\"_ _2\"></span>GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _20f\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Gastronomie <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _50\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Skischule Schruns <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _1d4\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>thotel GmbH &amp; <span class=\"_ _2\"></span>Co. KG, Gaschurn<span class=\"_ _210\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>TOP Schruns GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _159\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>tshops GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _203\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 %<span class=\"_ _39f\"> </span>Skischule Silvretta <span class=\"_ _2\"></span>Montafon St<span class=\"_ _2\"></span>. Gallenkirch <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch<span class=\"_ _73\"> </span>50,00 %<span class=\"_ _4f\"> </span>50,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergerlebnisse GmbH<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Schruns<span class=\"_ _211\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch Hotel Joint <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>enture GmbH<span class=\"_ _1c8\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>N1 GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _212\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Mayrhofner Bergbahne<span class=\"_ _2\"></span>n Aktiengesellschaf<span class=\"_ _2\"></span>t, <span class=\"_ _2\"></span>Mayrhofen<span class=\"_ _213\"> </span>50,52 %<span class=\"_ _214\"> </span>50,52 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V 2000 <span class=\"_ _2\"></span>Beteiligungsver<span class=\"_ _2\"></span>waltungsgesellschaft <span class=\"_ _2\"></span>m.b.H<span class=\"_ _2\"></span>., Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _215\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Beteiligungsholding 5000 GmbH<span class=\"_ _2\"></span>, Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _216\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Wilhelm-Greil-Stra\u00dfe <span class=\"_ _2\"></span>4 GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20d\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>in abwe<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f und <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V 20<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>hr G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tsj<span class=\"_ _2\"></span>ahr m<span class=\"_ _2\"></span>it 3<span class=\"_ _2\"></span>0.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1. Die G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>ll<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t h<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>sais<span class=\"_ _2\"></span>onal<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n abwei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Stich<span class=\"_ _2\"></span>tag<span class=\"_ _2\"></span>. Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d st<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nor<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anisa<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n Leas<span class=\"_ _2\"></span>ing-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag.<span class=\"_ _39f\"> </span>Die r<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>vollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Mit 19.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 wur<span class=\"_ _2\"></span>de de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nlea<span class=\"_ _2\"></span>sing 4 <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H vom <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>umges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Kons<span class=\"_ _2\"></span>olidi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>is wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>um die <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>oder Ereig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n am <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. bz<span class=\"_ _2\"></span>w. 30.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>. und d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Konzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tag <span class=\"_ _2\"></span>am 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die BT<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus Ho<span class=\"_ _2\"></span>lding G<span class=\"_ _2\"></span>mbH h<span class=\"_ _2\"></span>\u00e4lt An<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e an der S<span class=\"_ _2\"></span>ilvr<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon H<span class=\"_ _2\"></span>olding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowie an d<span class=\"_ _2\"></span>er May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"ff2\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n den A<span class=\"_ _2\"></span>ntei<span class=\"_ _2\"></span>len d<span class=\"_ _2\"></span>er Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n Hol<span class=\"_ _2\"></span>ding Gm<span class=\"_ _2\"></span>bH be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n ledig<span class=\"_ _2\"></span>lich i<span class=\"_ _2\"></span>ndire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>icht b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>nde A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>e, die aus de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung an d<span class=\"_ _2\"></span>er Sk<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hule Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>on St<span class=\"_ _2\"></span>. Ga<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>kirc<span class=\"_ _2\"></span>h Gmb<span class=\"_ _2\"></span>H res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. Es be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>te nic<span class=\"_ _2\"></span>ht beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>, die aus d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Konze<span class=\"_ _2\"></span>rnja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss<span class=\"_ _2\"></span>, der de<span class=\"_ _2\"></span>n nich<span class=\"_ _2\"></span>t beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>en zuge<span class=\"_ _2\"></span>wiese<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>03 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _39f\"> </span>Die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en AG w<span class=\"_ _2\"></span>ies zu<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag (<span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>) Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 16<span class=\"_ _9\"></span>3.709 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>45<span class=\"_ _2\"></span>.014 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>5<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.033 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _a\"></span>), Erl\u00f6s<span class=\"_ _2\"></span>e in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 55.<span class=\"_ _3\"></span>821 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.467 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>862 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.<span class=\"_ _2\"></span>297 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), e<span class=\"_ _2\"></span>in so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>iges <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von \u2212<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>57 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u22121<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) und ein <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>jahr<span class=\"_ _2\"></span>eser<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.705 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) au<span class=\"_ _2\"></span>f.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nbezo<span class=\"_ _2\"></span>gen:<span class=\"_ _39f\"> </span>At-equity-k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _217\"> </span><span class=\"ls2\"> </span>Anteil in %<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG, Kl<span class=\"_ _2\"></span>agenfur<span class=\"_ _2\"></span>t<span class=\"_ _218\"> </span>17,87 %<span class=\"_ _39f\"> </span>Oberbank AG, <span class=\"_ _2\"></span>Linz <span class=\"_ _219\"> </span>16,45 %<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _21a\"> </span>24,99 %<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>fur<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in Li<span class=\"_ _2\"></span>nz sin<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>gion<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Unive<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>alban<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d bil<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sam <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Mo<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lags<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>ten P<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>t (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>geszei<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>swoc<span class=\"_ _2\"></span>henze<span class=\"_ _2\"></span>itung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mag<span class=\"_ _2\"></span>azi<span class=\"_ _2\"></span>ne<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>Onl<span class=\"_ _2\"></span>ine t<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>aus f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nabsc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezo<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen<span class=\"_ _2\"></span>, obwo<span class=\"_ _2\"></span>hl sie <span class=\"_ _2\"></span>die 2<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgre<span class=\"_ _2\"></span>nze nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>an de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>k AG bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nk AG bz<span class=\"_ _2\"></span>w. f\u00fcr d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG best<span class=\"_ _2\"></span>eht <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und de<span class=\"_ _2\"></span>r G3B <span class=\"_ _2\"></span>Ho<span class=\"_ _2\"></span>lding <span class=\"_ _2\"></span>AG jeweils <span class=\"_ _2\"></span>ein Syn<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>Zweck die E<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>igens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ute i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Somi<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>M\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>ma\u00dfgeb<span class=\"_ _2\"></span>li<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>chen Einfl<span class=\"_ _2\"></span>uss auszu\u00fcben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den je<span class=\"_ _2\"></span>weils mit St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>09. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, um eine ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung zu erm\u00f6glichen. Die A<span class=\"_ _2\"></span>LPE<span class=\"_ _2\"></span>NL<span class=\"_ _3\"></span>\u00c4N<span class=\"_ _2\"></span>DI<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>E G<span class=\"_ _2\"></span>AR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>TI<span class=\"_ _2\"></span>E - <span class=\"_ _2\"></span>GE<span class=\"_ _2\"></span>SE<span class=\"_ _2\"></span>LL<span class=\"_ _2\"></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>onzessi<span class=\"_ _2\"></span>on ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>\u00a7 1 A<span class=\"_ _2\"></span>bs<span class=\"_ _2\"></span>. 1 Z <span class=\"_ _2\"></span>8 BWG<span class=\"_ _2\"></span>. Aussc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfliche<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>sgege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hme <span class=\"_ _2\"></span>von Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>\u00fcrg<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tivge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r 3 B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im We<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie ei<span class=\"_ _2\"></span>nzige Q<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>le f<span class=\"_ _2\"></span>\u00fcr Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eitr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Des<span class=\"_ _2\"></span>halb er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>te na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.B29<span class=\"_ _3\"></span>-3<span class=\"_ _9\"></span>2 ein<span class=\"_ _2\"></span>e Eins<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng als <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>einsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>he T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie an<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te und <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Anteilsm\u00e4\u00dfig k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _143\"> </span> Anteil in %<span class=\"_ _39f\"> </span>ALPENL\u00c4NDISCHE GARANT<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- GESELL<span class=\"_ _2\"></span>SCHAF<span class=\"_ _2\"></span>T m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>. <span class=\"_ _21b\"> </span>25,00 %<span class=\"_ _39f\"> </span>Die O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG is<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>50 %<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S AG und d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>AG sind je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>zu 25 <span class=\"_ _2\"></span>% an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALP<span class=\"_ _2\"></span>EN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4N<span class=\"_ _2\"></span>D<span class=\"_ _2\"></span>ISCH<span class=\"_ _2\"></span>E <span class=\"_ _2\"></span>GAR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- G<span class=\"_ _2\"></span>ES<span class=\"_ _2\"></span>ELL<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. (<span class=\"_ _2\"></span>i. d<span class=\"_ _2\"></span>. F<span class=\"_ _9\"></span>. kur<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>\u201e<span class=\"_ _3\"></span>ALGAR<span class=\"_ _2\"></span>\u201c) <span class=\"_ _2\"></span>bete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR<span class=\"_ _3\"></span>, die \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>konzes<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>on ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>me von <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>lehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobei <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Aus-<span class=\"ff2 ls2 ws1\"> </span>ma\u00df d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uchn<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R vor<span class=\"_ _2\"></span>hande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iele<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n res<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vier<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>(H<span class=\"_ _2\"></span>\u00f6chs<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ige I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>). <span class=\"_ _2\"></span>Die La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ie is<span class=\"_ _2\"></span>t ze<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>limit<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n l<span class=\"_ _2\"></span>aufe<span class=\"_ _2\"></span>nd <span class=\"_ _2\"></span>ein G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt zu <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch im Fa<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6ht (Malus<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>). Zum 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 ste<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten Volumen von 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>357<span class=\"_ _10\"></span>.<span class=\"_ _3\"></span>31<span class=\"_ _10\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>25.<span class=\"_ _3\"></span>878.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ei<span class=\"_ _2\"></span>ne R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>LGAR in H\u00f6h<span class=\"_ _2\"></span>e von 45<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>339 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>20.<span class=\"_ _3\"></span>555 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber. Da der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tievol<span class=\"_ _2\"></span>umen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st den <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>eif<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag die <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>chen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>s mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG gesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>einkom<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it (<span class=\"_ _2\"></span>J<span class=\"_ _2\"></span>oint O<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion) iSd I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1 <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Insowe<span class=\"_ _2\"></span>it se<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>ns de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nrec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R da<span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ies b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>figen <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iee<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen angem<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>obligo<span class=\"_ _2\"></span>s, f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALGAR <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>noc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lene <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>volume<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>mange<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Zuord<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er Vorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>zu sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Dar<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hend <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch f\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 d<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete L<span class=\"_ _2\"></span>ife<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>utig <span class=\"_ _2\"></span>zuord<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 9.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>9<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.724 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 3 w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Vorsor<span class=\"_ _2\"></span>gen i<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>3.457 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 7<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>34 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e pe<span class=\"_ _2\"></span>r 31<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>zembe<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 nic<span class=\"_ _2\"></span>ht in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f <span class=\"ff2 ls2 ws1\"> </span>Note <span class=\"_ _2\"></span>42 auf S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>34<span class=\"ws1\">b Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber verbundenen</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>nicht k<span class=\"_ _9\"></span>onsolidierten Unternehmen und B<span class=\"_ _2\"></span>eteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _190\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _32d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _32e\"> </span><span class=\"ff2\">4.188<span class=\"_ _99\"> </span>4.270<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _32f\"> </span><span class=\"wse\">4.188<span class=\"_ _192\"> </span>4.270<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _330\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _231\"> </span><span class=\"ff2\">46.161<span class=\"_ _145\"> </span>46.383<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _32a\"> </span><span class=\"wse\">46.161<span class=\"_ _12d\"> </span>46.383<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 9<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 92 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d 1.<span class=\"_ _10\"></span>198 T<span class=\"_ _4\"></span>sd. \u20ac A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.037 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n mit de<span class=\"_ _2\"></span>r Mut<span class=\"_ _3\"></span>terg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd ihre<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>34<span class=\"ws1\">c Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber asso<span class=\"_ _9\"></span>ziierten</span><span class=\"ws1\"> </span>Unternehmen und Beteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1eb\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _5d\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _331\"> </span><span class=\"ff2\">20.352<span class=\"_ _145\"> </span>38.787<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _2d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _2e2\"> </span><span class=\"wse\">20.352<span class=\"_ _13d\"> </span>38.787<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _a5\"> </span><span class=\"ff2\">5.242<span class=\"_ _d3\"> </span>338<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _31d\"> </span><span class=\"ff2 ls2 ws1\">5<span class=\"_ _cc\"> </span>2<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _2e5\"> </span><span class=\"wse\">5.247<span class=\"_ _d4\"> </span>340<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung si<span class=\"_ _2\"></span>nd 1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>29 T<span class=\"_ _9\"></span>sd. \u20ac <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 771 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _a\"></span>) und 47 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>60 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode e<span class=\"_ _2\"></span>inb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>b\u00f6r<span class=\"_ _2\"></span>seno<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>z-<span class=\"ff2 ls2 ws1\"> </span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>768 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>81<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>328 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, davon <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fiel<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>AG 1<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>0.1<span class=\"_ _10\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>33.4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG 81<span class=\"_ _9\"></span>0.6<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 7<span class=\"_ _9\"></span>4<span class=\"_ _9\"></span>7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>928 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Summ<span class=\"_ _2\"></span>e te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enzen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ng mit Ante<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>an a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 780<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 71<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>.9<span class=\"_ _2\"></span>07 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hl de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t wie <span class=\"_ _2\"></span>im Vorjah<span class=\"_ _2\"></span>r 9.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>262 St\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>34d \u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2024<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per <span class=\"_ _47\"></span> 31.12.2024<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">295.531<span class=\"_ _183\"> </span></span><span class=\"ls2\">0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.786<span class=\"_ _145\"> </span>29.851<span class=\"_ _12b\"> </span>327.167<span class=\"_ _1ce\"> </span><span class=\"ff4\">15,90<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">618.506<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span></span>\u22127.461<span class=\"_ _145\"> </span><span class=\"ff2\">47.990<span class=\"_ _12b\"> </span>659.035<span class=\"_ _1ce\"> </span></span>69,80<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _b1\"> </span><span class=\"ff2\">5.372<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>3<span class=\"_ _d3\"> </span></span>189<span class=\"_ _1e3\"> </span>5.564<span class=\"_ _1cc\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>\u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2023<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per 31.12.2023<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">272.091<span class=\"_ _9a\"> </span>952<span class=\"_ _99\"> </span>7.161<span class=\"_ _145\"> </span>15.327<span class=\"_ _12b\"> </span>295.531<span class=\"_ _1ce\"> </span><span class=\"ff4\">16,30<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">542.478<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.724<span class=\"_ _145\"> </span>73.304<span class=\"_ _90\"> </span>618.506<span class=\"_ _98\"> </span></span>64,40<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _333\"> </span><span class=\"ff2\">13.036<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span></span>\u221210<span class=\"_ _f4\"> </span>\u22127.654<span class=\"_ _99\"> </span><span class=\"ff2\">5.372<span class=\"_ _99\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>n. v. <span class=\"_ _9\"></span>= nicht v<span class=\"_ _9\"></span>orhanden<span class=\"_ _39f\"> </span>34e<span class=\"_ _39f\"> </span>Die at-equity-bewerteten asso<span class=\"_ _9\"></span>ziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _334\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _335\"> </span><span class=\"wse\">10.842.870<span class=\"_ _f2\"> </span>10.572.131<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">27.973.636<span class=\"_ _f2\"> </span>27.977.388<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">90.274<span class=\"_ _145\"> </span>93.384<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _1ed\"> </span>38.906.780<span class=\"_ _f\"> </span>38.642.903<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _294\"> </span><span class=\"wse\">8.946.527<span class=\"_ _ee\"> </span>8.852.862<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">23.908.448<span class=\"_ _f2\"> </span>24.158.173<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">61.033<span class=\"_ _145\"> </span>68.365<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _337\"> </span><span class=\"lse wse\">32.916.008<span class=\"_ _f\"> </span>33.079.400<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _26a\"> </span><span class=\"wse\">369.658<span class=\"_ _90\"> </span>322.411<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _289\"> </span><span class=\"ff2\">807.402<span class=\"_ _90\"> </span>951.592<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">93.965<span class=\"_ _12b\"> </span>103.629<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _338\"> </span>1.271.025<span class=\"_ _10a\"> </span>1.377.632<span class=\"_ _39f\"> </span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">183.110<span class=\"_ _12b\"> </span>149.419<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _339\"> </span><span class=\"ff2\">14.981<span class=\"_ _145\"> </span>12.859<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG Gesamtjahresergebnis<span class=\"_ _28d\"> </span><span class=\"ff2\">198.091<span class=\"_ _e1\"> </span>162.278<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">362.598<span class=\"_ _12b\"> </span>498.325<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _33a\"> </span>\u221226.640<span class=\"_ _145\"> </span><span class=\"ff2\">24.292<span class=\"_ _39f\"> </span></span>Oberbank AG Gesamtjahresergebnis<span class=\"_ _1db\"> </span><span class=\"ff2\">335.958<span class=\"_ _90\"> </span>522.617<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1b0\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Sonstiges Gesamtergebnis<span class=\"_ _323\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Moser Holding AG Gesamtjahresergebnis<span class=\"_ _2ce\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Gesamtjahresergebnis<span class=\"_ _33b\"> </span>538.701<span class=\"_ _e2\"> </span>656.549<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _33c\"> </span><span class=\"wse\">2.864<span class=\"_ _99\"> </span>2.028<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _33d\"> </span><span class=\"ff2\">11.614<span class=\"_ _99\"> </span>8.420<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _24b\"> </span><span class=\"ff2\">875<span class=\"_ _6a\"> </span>512<span class=\"_ _39f\"> </span></span>Erhaltene Dividenden<span class=\"_ _33e\"> </span><span class=\"wse\">15.353<span class=\"_ _13d\"> </span>10.960<span class=\"_ _39f\"> </span></span>34f <span class=\"ls4f\">Die zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bzw<span class=\"_ _4\"></span>. zum Fair Value be<span class=\"_ _9\"></span>werteten <span class=\"ls2\"> </span></span>assoziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> <span class=\"_ _2\"></span> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _33f\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2e4\"> </span><span class=\"ff2 lse wse\">96.701<span class=\"_ _f4\"> </span>92.522<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _ca\"> </span><span class=\"ff2 lse wse\">50.933<span class=\"_ _145\"> </span>53.822<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _340\"> </span><span class=\"ff2\">102.261<span class=\"_ _145\"> </span>89.461<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _32e\"> </span><span class=\"ff2\">1.975<span class=\"_ _99\"> </span>2.082<span class=\"_ _39f\"> </span></span>34g Kreditinstitute<span class=\"wseb\"> m</span>it Anteilsbesitz <span class=\"ff6fd\">&gt; 20 % </span>an der BTV AG <span class=\"ff6fd\">wiesen</span><span class=\"ff6fd\"> </span>zum Bilanzstichtag folgende Werte auf <span class=\"fs9 ls16 ws1\">in Tsd<span class=\"_ _39f\"> </span></span>. \u20ac<span class=\"_ _341\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2c8\"> </span><span class=\"ff2 lse wse\">784.974.000<span class=\"_ _f\"> </span>843.506.000<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _2b6\"> </span><span class=\"ff2 lse wse\">720.895.000<span class=\"_ _100\"> </span>781.625.000<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _23b\"> </span><span class=\"ff2\">23.826.000<span class=\"_ _f2\"> </span>11.897.000<span class=\"_ _39f\"> </span></span>Jahres\u00fcberschuss<span class=\"_ _1df\"> </span><span class=\"ff2\">6.473.000<span class=\"_ _ee\"> </span>5.934.000<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd 5 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 105 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) <span class=\"ff2\"> </span>f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich zum St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f 3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vor<span class=\"_ _4\"></span>-<span class=\"ff2\"> </span>jahr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f 7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>50 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 3.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Es w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n f\u00fcr di<span class=\"_ _2\"></span>e Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>te in de<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n 3<span class=\"_ _2\"></span>4e un<span class=\"_ _2\"></span>d 34<span class=\"_ _2\"></span>g die l<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se als B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>lage herangezogen.<span class=\"_ _39f\"> </span>4<span class=\"_ _9\"></span>2 Darstellung des Anteilsbesitzes per 31<span class=\"_ _4\"></span>. Dezember 202<span class=\"_ _9\"></span>4<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t hie<span class=\"_ _2\"></span>lt p<span class=\"_ _2\"></span>er 31. Dezemb<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>024 bei f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlus<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>en werde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h in <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>unwese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>h sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 2<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ilsbe<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Unternehmensname und -sitz<span class=\"_ _39f\"> </span>Kapitalanteil insges.<span class=\"_ _39f\"> </span>Kapitalanteil<span class=\"_ _9\"></span> direkt<span class=\"_ _39f\"> </span>Eigenkapital in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 1<span class=\"_ _39f\"> </span>Ergebnis <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 2<span class=\"_ _39f\"> </span>Abschluss-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>datum<span class=\"_ _39f\"> </span>a) V<span class=\"_ _4\"></span>erbunden<span class=\"_ _2\"></span>e Unternehmen<span class=\"_ _39f\"> </span>1. Inl\u00e4ndische F<span class=\"_ _2\"></span>inanzinstitute: keine vorhanden<span class=\"_ _39f\"> </span>2. Sonstige inl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _34f\"> </span><span class=\"ff2 ls2 ws1\"> <span class=\"_ _1e7\"> </span> </span>BT<span class=\"_ _2\"></span>V Real-Leasing VI Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., V<span class=\"_ _9\"></span>omp<span class=\"_ _71\"> </span>100,00  %<span class=\"_ _67\"> </span><span class=\"ff2\">574<span class=\"_ _116\"> </span>494<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Stadtforum T<span class=\"_ _2\"></span>iefgar<span class=\"_ _2\"></span>agenzufahr<span class=\"_ _2\"></span>t GmbH<span class=\"_ _2\"></span>, Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _9d\"> </span>100,00  %<span class=\"_ _128\"> </span>100,00  <span class=\"_ _2\"></span>%<span class=\"_ _148\"> </span><span class=\"ff2\">35<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _f1\"> </span></span>31.12.2023<span class=\"_ _39f\"> </span></span>Freiraum I GmbH<span class=\"_ _2\"></span>, Mayrhofen<span class=\"_ _186\"> </span>50,52  %<span class=\"_ _67\"> </span><span class=\"ff2\">135<span class=\"_ _71\"> </span></span>\u22121<span class=\"_ _f1\"> </span><span class=\"ff2\">30.11.2023<span class=\"_ _39f\"> </span></span>C3 Logistik GmbH<span class=\"_ _2\"></span>, Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _350\"> </span>100,00  %<span class=\"_ _167\"> </span><span class=\"ff2\">1.051<span class=\"_ _148\"> </span>28<span class=\"_ _f1\"> </span>30.09.2023<span class=\"_ _39f\"> </span></span>3. Sonstige ausl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _39f\"> </span>A<span class=\"_ _9\"></span>G f\u00fcr <span class=\"_ _2\"></span>energiebewusstes Bauen <span class=\"_ _2\"></span>AGEB, Staad<span class=\"_ _153\"> </span>50,00  %<span class=\"_ _67\"> </span><span class=\"ff2\">519<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _f1\"> </span></span>30.06.2024<span class=\"_ _39f\"> </span></span>KM Beteiligungsinvest AG, Staad<span class=\"_ _13a\"> </span>100,00 <span class=\"_ _2\"></span> %<span class=\"_ _172\"> </span><span class=\"ff2\">34.547<span class=\"_ _9a\"> </span></span>\u22121.934<span class=\"_ _f1\"> </span><span class=\"ff2\">31.12.2023<span class=\"_ _39f\"> </span></span>1  <span class=\"ff4 fc3 ls54 ws57\"> <span class=\"_ _cd\"> </span>Eigenkapital im Sinne <span class=\"_ _9\"></span>des \u00a7 <span class=\"_ _9\"></span>229 UGB <span class=\"ff2 ls2 ws1\"> </span></span>2  <span class=\"_ _351\"></span><span class=\"ff4 fc3 ls54 ws57\">Jahres\u00fcberschuss/-fehlbetrag nach Ertrags<span class=\"_ _2\"></span>teuern, vor R\u00fccklagenbewegung <span class=\"_ _4\"></span>un<span class=\"_ _2\"></span>d Ergebnisverwendung<span class=\"_ _39f\"> </span></span>Unternehmensname und -sitz<span class=\"_ _39f\"> </span>Kapitalanteil insges.<span class=\"_ _39f\"> </span>Kapitalanteil<span class=\"_ _9\"></span> direkt<span class=\"_ _39f\"> </span>Eigenkapital in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 1<span class=\"_ _39f\"> </span>Ergebnis <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 2<span class=\"_ _39f\"> </span>Abschluss-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>datum<span class=\"_ _39f\"> </span>b) Assoziierte Unternehmen<span class=\"_ _39f\"> </span>1. Sonstige inl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _39f\"> </span>Montafoner K<span class=\"_ _2\"></span>ristberg-Bahn <span class=\"_ _2\"></span>Silber<span class=\"_ _2\"></span>tal <span class=\"ff2 ls2 ws1\"> </span>Gesellschaf<span class=\"_ _2\"></span>t m.b.H<span class=\"_ _2\"></span>., Si<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>tal<span class=\"_ _39f\"> </span>32,29 %<span class=\"_ _67\"> </span><span class=\"ff2\">452<span class=\"_ _89\"> </span></span>\u221241<span class=\"_ _8f\"> </span><span class=\"ff2\">30.04.2024<span class=\"_ _39f\"> </span></span>Beteiligungsver<span class=\"_ _2\"></span>waltung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Linz<span class=\"_ _148\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _10d\"> </span><span class=\"ff2\">14.361<span class=\"_ _116\"> </span>571<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken IT <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Linz<span class=\"_ _352\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _fd\"> </span><span class=\"ff2\">3.633<span class=\"_ _14e\"> </span>54<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3-Banken Beteiligung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Linz<span class=\"_ _157\"> </span>30,00 <span class=\"_ _2\"></span>%<span class=\"_ _169\"> </span><span class=\"ff2\">3.237<span class=\"_ _109\"> </span>266<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken Versicherungsmakler Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>.,   <span class=\"_ _2\"></span> <span class=\"ff2 ls2 ws1\"> </span>Innsbruck<span class=\"_ _39f\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _116\"> </span><span class=\"ff2\">673<span class=\"_ _109\"> </span>126<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>Sitzwohl in der <span class=\"_ _2\"></span>Gilmschule GmbH<span class=\"_ _2\"></span>, Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _17\"> </span>25,71 %<span class=\"_ _67\"> </span><span class=\"ff2\">228<span class=\"_ _71\"> </span></span>\u22124<span class=\"_ _f1\"> </span><span class=\"ff2\">30.09.2023<span class=\"_ _39f\"> </span></span>KopfStart <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Wien<span class=\"_ _1a1\"> </span>25,03 %<span class=\"_ _67\"> </span><span class=\"ff2\">268<span class=\"_ _148\"> </span>93<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Innfolioly<span class=\"_ _2\"></span>tix GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _186\"> </span>26,00 <span class=\"_ _2\"></span>%<span class=\"_ _aa\"> </span><span class=\"ff2\">89<span class=\"_ _148\"> </span>16<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>1  <span class=\"ff4 fc3 ls54 ws57\"> <span class=\"_ _cd\"> </span>Eigenkapital im Sinne <span class=\"_ _9\"></span>des \u00a7 <span class=\"_ _9\"></span>229 UGB <span class=\"ff2 ls2 ws1\"> </span></span>2  <span class=\"_ _351\"></span><span class=\"ff4 fc3 ls54 ws57\">Jahres\u00fcberschuss/-fehlbetrag nach Ertrags<span class=\"_ _2\"></span>teuern, vor R\u00fccklagenbewegung <span class=\"_ _4\"></span>un<span class=\"_ _2\"></span>d Ergebnisverwendung</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-514": {
   "value": "Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Ti<span class=\"_ _2\"></span>rol u<span class=\"_ _2\"></span>nd Vorar<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>g A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t di<span class=\"_ _2\"></span>e im F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Bete<span class=\"_ _2\"></span>iligungen:<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>ollkonsolidierte Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _206\"> </span> Anteil in % <span class=\"lse wse\">Stimm-</span> rechte in %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _198\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing III <span class=\"_ _2\"></span>Nachfolge GmbH &amp; <span class=\"_ _2\"></span>Co KG, Innsbruck<span class=\"_ _1ec\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Real-Leasing V Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Innsbruck<span class=\"_ _207\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 1 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 3 <span class=\"_ _2\"></span>Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _209\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Anlagenleasing 4 <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _208\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Deutschland <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>M\u00fcnchen<span class=\"_ _20a\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V Leasing Schweiz AG, Staad<span class=\"_ _20b\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>TiMe Ho<span class=\"_ _2\"></span>lding GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20c\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus Holding <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Innsbruck<span class=\"_ _20d\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Holding GmbH<span class=\"_ _2\"></span>, Schr<span class=\"_ _2\"></span>uns<span class=\"_ _20e\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergbahnen <span class=\"_ _2\"></span>GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _20f\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Gastronomie <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _50\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Skischule Schruns <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Schruns<span class=\"_ _1d4\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>thotel GmbH &amp; <span class=\"_ _2\"></span>Co. KG, Gaschurn<span class=\"_ _210\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>TOP Schruns GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _159\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Spor<span class=\"_ _2\"></span>tshops GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _203\"> </span>100,00 %<span class=\"_ _57\"> </span>100,00 %<span class=\"_ _39f\"> </span>Skischule Silvretta <span class=\"_ _2\"></span>Montafon St<span class=\"_ _2\"></span>. Gallenkirch <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch<span class=\"_ _73\"> </span>50,00 %<span class=\"_ _4f\"> </span>50,00 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Silvretta Montafo<span class=\"_ _2\"></span>n Bergerlebnisse GmbH<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Schruns<span class=\"_ _211\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>St. <span class=\"_ _2\"></span>Gallenkirch Hotel Joint <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>enture GmbH<span class=\"_ _1c8\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Besitzgesellschaft <span class=\"_ _2\"></span>N1 GmbH<span class=\"_ _2\"></span>, Schruns<span class=\"_ _212\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Mayrhofner Bergbahne<span class=\"_ _2\"></span>n Aktiengesellschaf<span class=\"_ _2\"></span>t, <span class=\"_ _2\"></span>Mayrhofen<span class=\"_ _213\"> </span>50,52 %<span class=\"_ _214\"> </span>50,52 %<span class=\"_ _39f\"> </span>BT<span class=\"_ _2\"></span>V 2000 <span class=\"_ _2\"></span>Beteiligungsver<span class=\"_ _2\"></span>waltungsgesellschaft <span class=\"_ _2\"></span>m.b.H<span class=\"_ _2\"></span>., Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _215\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Beteiligungsholding 5000 GmbH<span class=\"_ _2\"></span>, Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _216\"> </span>100,00 %<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Wilhelm-Greil-Stra\u00dfe <span class=\"_ _2\"></span>4 GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _20d\"> </span>100,00 <span class=\"_ _2\"></span>%<span class=\"_ _20\"> </span>100,00 %<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>in abwe<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f und <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V 20<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>hr G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tsj<span class=\"_ _2\"></span>ahr m<span class=\"_ _2\"></span>it 3<span class=\"_ _2\"></span>0.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1. Die G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>ll<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t h<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>sais<span class=\"_ _2\"></span>onal<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n abwei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Stich<span class=\"_ _2\"></span>tag<span class=\"_ _2\"></span>. Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d st<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nor<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anisa<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n Leas<span class=\"_ _2\"></span>ing-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag.<span class=\"_ _39f\"> </span>Die r<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>vollkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Mit 19.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 wur<span class=\"_ _2\"></span>de de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nlea<span class=\"_ _2\"></span>sing 4 <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H vom <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>umges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Kons<span class=\"_ _2\"></span>olidi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>is wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>um die <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>oder Ereig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n am <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9. bz<span class=\"_ _2\"></span>w. 30.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>. und d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Konzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tag <span class=\"_ _2\"></span>am 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die BT<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus Ho<span class=\"_ _2\"></span>lding G<span class=\"_ _2\"></span>mbH h<span class=\"_ _2\"></span>\u00e4lt An<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e an der S<span class=\"_ _2\"></span>ilvr<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mon<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>fon H<span class=\"_ _2\"></span>olding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowie an d<span class=\"_ _2\"></span>er May<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"ff2\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n den A<span class=\"_ _2\"></span>ntei<span class=\"_ _2\"></span>len d<span class=\"_ _2\"></span>er Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n Hol<span class=\"_ _2\"></span>ding Gm<span class=\"_ _2\"></span>bH be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n ledig<span class=\"_ _2\"></span>lich i<span class=\"_ _2\"></span>ndire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>icht b<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>nde A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>e, die aus de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung an d<span class=\"_ _2\"></span>er Sk<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hule Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mont<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>on St<span class=\"_ _2\"></span>. Ga<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>kirc<span class=\"_ _2\"></span>h Gmb<span class=\"_ _2\"></span>H res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. Es be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>te nic<span class=\"_ _2\"></span>ht beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>, die aus d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Konze<span class=\"_ _2\"></span>rnja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss<span class=\"_ _2\"></span>, der de<span class=\"_ _2\"></span>n nich<span class=\"_ _2\"></span>t beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>en zuge<span class=\"_ _2\"></span>wiese<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>03 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _39f\"> </span>Die M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>en AG w<span class=\"_ _2\"></span>ies zu<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag (<span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>) Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 16<span class=\"_ _9\"></span>3.709 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>45<span class=\"_ _2\"></span>.014 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>5<span class=\"_ _4\"></span>1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.033 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _a\"></span>), Erl\u00f6s<span class=\"_ _2\"></span>e in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 55.<span class=\"_ _3\"></span>821 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.467 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>862 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.<span class=\"_ _2\"></span>297 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), e<span class=\"_ _2\"></span>in so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>iges <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von \u2212<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>57 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u22121<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) und ein <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>jahr<span class=\"_ _2\"></span>eser<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.705 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>77 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) au<span class=\"_ _2\"></span>f.<span class=\"_ _39f\"> </span>4<span class=\"_ _9\"></span>2 Darstellung des Anteilsbesitzes per 31<span class=\"_ _4\"></span>. Dezember 202<span class=\"_ _9\"></span>4<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t hie<span class=\"_ _2\"></span>lt p<span class=\"_ _2\"></span>er 31. Dezemb<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>024 bei f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nabs<span class=\"_ _2\"></span>chlus<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>en werde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h in <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>unwese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>h sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 2<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ilsbe<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Unternehmensname und -sitz<span class=\"_ _39f\"> </span>Kapitalanteil insges.<span class=\"_ _39f\"> </span>Kapitalanteil<span class=\"_ _9\"></span> direkt<span class=\"_ _39f\"> </span>Eigenkapital in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 1<span class=\"_ _39f\"> </span>Ergebnis <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 2<span class=\"_ _39f\"> </span>Abschluss-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>datum<span class=\"_ _39f\"> </span>a) V<span class=\"_ _4\"></span>erbunden<span class=\"_ _2\"></span>e Unternehmen<span class=\"_ _39f\"> </span>1. Inl\u00e4ndische F<span class=\"_ _2\"></span>inanzinstitute: keine vorhanden<span class=\"_ _39f\"> </span>2. Sonstige inl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _34f\"> </span><span class=\"ff2 ls2 ws1\"> <span class=\"_ _1e7\"> </span> </span>BT<span class=\"_ _2\"></span>V Real-Leasing VI Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., V<span class=\"_ _9\"></span>omp<span class=\"_ _71\"> </span>100,00  %<span class=\"_ _67\"> </span><span class=\"ff2\">574<span class=\"_ _116\"> </span>494<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Stadtforum T<span class=\"_ _2\"></span>iefgar<span class=\"_ _2\"></span>agenzufahr<span class=\"_ _2\"></span>t GmbH<span class=\"_ _2\"></span>, Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _9d\"> </span>100,00  %<span class=\"_ _128\"> </span>100,00  <span class=\"_ _2\"></span>%<span class=\"_ _148\"> </span><span class=\"ff2\">35<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _f1\"> </span></span>31.12.2023<span class=\"_ _39f\"> </span></span>Freiraum I GmbH<span class=\"_ _2\"></span>, Mayrhofen<span class=\"_ _186\"> </span>50,52  %<span class=\"_ _67\"> </span><span class=\"ff2\">135<span class=\"_ _71\"> </span></span>\u22121<span class=\"_ _f1\"> </span><span class=\"ff2\">30.11.2023<span class=\"_ _39f\"> </span></span>C3 Logistik GmbH<span class=\"_ _2\"></span>, Innsbr<span class=\"_ _2\"></span>uck<span class=\"_ _350\"> </span>100,00  %<span class=\"_ _167\"> </span><span class=\"ff2\">1.051<span class=\"_ _148\"> </span>28<span class=\"_ _f1\"> </span>30.09.2023<span class=\"_ _39f\"> </span></span>3. Sonstige ausl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _39f\"> </span>A<span class=\"_ _9\"></span>G f\u00fcr <span class=\"_ _2\"></span>energiebewusstes Bauen <span class=\"_ _2\"></span>AGEB, Staad<span class=\"_ _153\"> </span>50,00  %<span class=\"_ _67\"> </span><span class=\"ff2\">519<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _f1\"> </span></span>30.06.2024<span class=\"_ _39f\"> </span></span>KM Beteiligungsinvest AG, Staad<span class=\"_ _13a\"> </span>100,00 <span class=\"_ _2\"></span> %<span class=\"_ _172\"> </span><span class=\"ff2\">34.547<span class=\"_ _9a\"> </span></span>\u22121.934<span class=\"_ _f1\"> </span><span class=\"ff2\">31.12.2023<span class=\"_ _39f\"> </span></span>1  <span class=\"ff4 fc3 ls54 ws57\"> <span class=\"_ _cd\"> </span>Eigenkapital im Sinne <span class=\"_ _9\"></span>des \u00a7 <span class=\"_ _9\"></span>229 UGB <span class=\"ff2 ls2 ws1\"> </span></span>2  <span class=\"_ _351\"></span><span class=\"ff4 fc3 ls54 ws57\">Jahres\u00fcberschuss/-fehlbetrag nach Ertrags<span class=\"_ _2\"></span>teuern, vor R\u00fccklagenbewegung <span class=\"_ _4\"></span>un<span class=\"_ _2\"></span>d Ergebnisverwendung<span class=\"_ _39f\"> </span></span>Unternehmensname und -sitz<span class=\"_ _39f\"> </span>Kapitalanteil insges.<span class=\"_ _39f\"> </span>Kapitalanteil<span class=\"_ _9\"></span> direkt<span class=\"_ _39f\"> </span>Eigenkapital in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 1<span class=\"_ _39f\"> </span>Ergebnis <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 2<span class=\"_ _39f\"> </span>Abschluss-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>datum<span class=\"_ _39f\"> </span>b) Assoziierte Unternehmen<span class=\"_ _39f\"> </span>1. Sonstige inl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _39f\"> </span>Montafoner K<span class=\"_ _2\"></span>ristberg-Bahn <span class=\"_ _2\"></span>Silber<span class=\"_ _2\"></span>tal <span class=\"ff2 ls2 ws1\"> </span>Gesellschaf<span class=\"_ _2\"></span>t m.b.H<span class=\"_ _2\"></span>., Si<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>tal<span class=\"_ _39f\"> </span>32,29 %<span class=\"_ _67\"> </span><span class=\"ff2\">452<span class=\"_ _89\"> </span></span>\u221241<span class=\"_ _8f\"> </span><span class=\"ff2\">30.04.2024<span class=\"_ _39f\"> </span></span>Beteiligungsver<span class=\"_ _2\"></span>waltung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Linz<span class=\"_ _148\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _10d\"> </span><span class=\"ff2\">14.361<span class=\"_ _116\"> </span>571<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken IT <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Linz<span class=\"_ _352\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _fd\"> </span><span class=\"ff2\">3.633<span class=\"_ _14e\"> </span>54<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3-Banken Beteiligung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Linz<span class=\"_ _157\"> </span>30,00 <span class=\"_ _2\"></span>%<span class=\"_ _169\"> </span><span class=\"ff2\">3.237<span class=\"_ _109\"> </span>266<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken Versicherungsmakler Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>.,   <span class=\"_ _2\"></span> <span class=\"ff2 ls2 ws1\"> </span>Innsbruck<span class=\"_ _39f\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _116\"> </span><span class=\"ff2\">673<span class=\"_ _109\"> </span>126<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>Sitzwohl in der <span class=\"_ _2\"></span>Gilmschule GmbH<span class=\"_ _2\"></span>, Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _17\"> </span>25,71 %<span class=\"_ _67\"> </span><span class=\"ff2\">228<span class=\"_ _71\"> </span></span>\u22124<span class=\"_ _f1\"> </span><span class=\"ff2\">30.09.2023<span class=\"_ _39f\"> </span></span>KopfStart <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Wien<span class=\"_ _1a1\"> </span>25,03 %<span class=\"_ _67\"> </span><span class=\"ff2\">268<span class=\"_ _148\"> </span>93<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Innfolioly<span class=\"_ _2\"></span>tix GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _186\"> </span>26,00 <span class=\"_ _2\"></span>%<span class=\"_ _aa\"> </span><span class=\"ff2\">89<span class=\"_ _148\"> </span>16<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>1  <span class=\"ff4 fc3 ls54 ws57\"> <span class=\"_ _cd\"> </span>Eigenkapital im Sinne <span class=\"_ _9\"></span>des \u00a7 <span class=\"_ _9\"></span>229 UGB <span class=\"ff2 ls2 ws1\"> </span></span>2  <span class=\"_ _351\"></span><span class=\"ff4 fc3 ls54 ws57\">Jahres\u00fcberschuss/-fehlbetrag nach Ertrags<span class=\"_ _2\"></span>teuern, vor R\u00fccklagenbewegung <span class=\"_ _4\"></span>un<span class=\"_ _2\"></span>d Ergebnisverwendung</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-555": {
   "value": "Es be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>te nic<span class=\"_ _2\"></span>ht beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>, die aus d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Konze<span class=\"_ _2\"></span>rnja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss<span class=\"_ _2\"></span>, der de<span class=\"_ _2\"></span>n nich<span class=\"_ _2\"></span>t beh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>en zuge<span class=\"_ _2\"></span>wiese<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>03 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-604": {
   "value": "W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Anteil<span class=\"_ _9\"></span>e an at-equit<span class=\"_ _2\"></span>y-bewer<span class=\"_ _2\"></span>teten Unternehmen<span class=\"_ _4\"></span> In d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Positi<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an je<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>An <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob <span class=\"_ _2\"></span>sich o<span class=\"_ _2\"></span>bjek<span class=\"_ _3\"></span>tive <span class=\"_ _2\"></span>Hinwei<span class=\"_ _2\"></span>se da<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>uf e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>ispi<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>te d<span class=\"_ _2\"></span>es Rei<span class=\"_ _2\"></span>nverm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>m\u00e4\u00dfig d<span class=\"_ _2\"></span>ie Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>obje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve Hi<span class=\"_ _2\"></span>nweise vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung \u00fcber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lbare<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>m Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t abz\u00fcglic<span class=\"_ _2\"></span>h Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>In we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>ine N<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit gem\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>28 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>, ein<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>urchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die wec<span class=\"_ _2\"></span>hse<span class=\"_ _2\"></span>lseit<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen m<span class=\"_ _2\"></span>it der O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG und mit de<span class=\"_ _2\"></span>r BK<span class=\"_ _3\"></span>S Bank AG sind u<span class=\"_ _2\"></span>nter d<span class=\"_ _2\"></span>em Be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f Ring<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>. Bei d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>ngbe<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung w<span class=\"_ _2\"></span>ird de<span class=\"_ _2\"></span>r gep<span class=\"_ _2\"></span>lante J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>s auf Eb<span class=\"_ _2\"></span>ene Ein<span class=\"_ _2\"></span>zelabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>omit in<span class=\"_ _2\"></span>klus<span class=\"_ _2\"></span>ive er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r Div<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>den d<span class=\"_ _2\"></span>er Sc<span class=\"_ _2\"></span>hwest<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) h<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>angezog<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In e<span class=\"_ _2\"></span>inem z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den di<span class=\"_ _2\"></span>e gep<span class=\"_ _2\"></span>lante<span class=\"_ _2\"></span>n Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n der Schwes<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>ken el<span class=\"_ _2\"></span>iminie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>llf<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>e R\u00fcck<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>ndot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungen i<span class=\"_ _2\"></span>n der D<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ailpl<span class=\"_ _2\"></span>anung<span class=\"_ _2\"></span>sph<span class=\"_ _2\"></span>ase (zur Einhalt<span class=\"_ _2\"></span>ung von Eigenm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lvor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten) abgezogen<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s Erge<span class=\"_ _2\"></span>bnis d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>us und so<span class=\"_ _2\"></span>mit als B<span class=\"_ _2\"></span>asis f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng ste<span class=\"_ _2\"></span>ht das a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hige Erge<span class=\"_ _2\"></span>bnis (<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tet mit Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. Die Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit de<span class=\"_ _2\"></span>r wech<span class=\"_ _2\"></span>sels<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en wa<span class=\"_ _2\"></span>r im Bericht<span class=\"_ _2\"></span>sjahr gegeben. Gem<span class=\"_ _2\"></span>\u00e4\u00df e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mung m<span class=\"_ _2\"></span>it I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 28 <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um +0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Pk<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. er<span class=\"_ _2\"></span>h\u00f6ht <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. um \u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG um </span>+<span class=\"_ _4\"></span>21 Mio. <span class=\"_ _2\"></span>\u20ac (\u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">2<span class=\"_ _2\"></span>0 M<span class=\"_ _2\"></span>io. \u20ac (+0,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG w\u00fc<span class=\"_ _2\"></span>rde s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t </span>um +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span><span class=\"fs6 fc2 ls2 ws1\">\u2212<span class=\"_ _2\"></span><span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">10 Mio. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>+<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus at-equity-<span class=\"_ _2\"></span>bewerteten Unternehmen<span class=\"_ _9\"></span> Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Post<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-581": {
   "value": "W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Anteil<span class=\"_ _9\"></span>e an at-equit<span class=\"_ _2\"></span>y-bewer<span class=\"_ _2\"></span>teten Unternehmen<span class=\"_ _4\"></span> In d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Positi<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an je<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>An <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob <span class=\"_ _2\"></span>sich o<span class=\"_ _2\"></span>bjek<span class=\"_ _3\"></span>tive <span class=\"_ _2\"></span>Hinwei<span class=\"_ _2\"></span>se da<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>uf e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>ispi<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>te d<span class=\"_ _2\"></span>es Rei<span class=\"_ _2\"></span>nverm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>m\u00e4\u00dfig d<span class=\"_ _2\"></span>ie Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>obje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve Hi<span class=\"_ _2\"></span>nweise vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung \u00fcber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lbare<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>m Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t abz\u00fcglic<span class=\"_ _2\"></span>h Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>In we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>ine N<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit gem\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>28 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>, ein<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>urchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die wec<span class=\"_ _2\"></span>hse<span class=\"_ _2\"></span>lseit<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen m<span class=\"_ _2\"></span>it der O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG und mit de<span class=\"_ _2\"></span>r BK<span class=\"_ _3\"></span>S Bank AG sind u<span class=\"_ _2\"></span>nter d<span class=\"_ _2\"></span>em Be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f Ring<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>. Bei d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>ngbe<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung w<span class=\"_ _2\"></span>ird de<span class=\"_ _2\"></span>r gep<span class=\"_ _2\"></span>lante J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>s auf Eb<span class=\"_ _2\"></span>ene Ein<span class=\"_ _2\"></span>zelabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>omit in<span class=\"_ _2\"></span>klus<span class=\"_ _2\"></span>ive er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r Div<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>den d<span class=\"_ _2\"></span>er Sc<span class=\"_ _2\"></span>hwest<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) h<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>angezog<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In e<span class=\"_ _2\"></span>inem z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den di<span class=\"_ _2\"></span>e gep<span class=\"_ _2\"></span>lante<span class=\"_ _2\"></span>n Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n der Schwes<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>ken el<span class=\"_ _2\"></span>iminie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>llf<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>e R\u00fcck<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>ndot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungen i<span class=\"_ _2\"></span>n der D<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ailpl<span class=\"_ _2\"></span>anung<span class=\"_ _2\"></span>sph<span class=\"_ _2\"></span>ase (zur Einhalt<span class=\"_ _2\"></span>ung von Eigenm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lvor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten) abgezogen<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s Erge<span class=\"_ _2\"></span>bnis d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>us und so<span class=\"_ _2\"></span>mit als B<span class=\"_ _2\"></span>asis f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng ste<span class=\"_ _2\"></span>ht das a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hige Erge<span class=\"_ _2\"></span>bnis (<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tet mit Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. Die Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit de<span class=\"_ _2\"></span>r wech<span class=\"_ _2\"></span>sels<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en wa<span class=\"_ _2\"></span>r im Bericht<span class=\"_ _2\"></span>sjahr gegeben. Gem<span class=\"_ _2\"></span>\u00e4\u00df e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mung m<span class=\"_ _2\"></span>it I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 28 <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um +0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Pk<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. er<span class=\"_ _2\"></span>h\u00f6ht <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. um \u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG um </span>+<span class=\"_ _4\"></span>21 Mio. <span class=\"_ _2\"></span>\u20ac (\u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">2<span class=\"_ _2\"></span>0 M<span class=\"_ _2\"></span>io. \u20ac (+0,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG w\u00fc<span class=\"_ _2\"></span>rde s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t </span>um +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span><span class=\"fs6 fc2 ls2 ws1\">\u2212<span class=\"_ _2\"></span><span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">10 Mio. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>+<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus at-equity-<span class=\"_ _2\"></span>bewerteten Unternehmen<span class=\"_ _9\"></span> Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Post<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-515": {
   "value": "W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, au<span class=\"_ _2\"></span>f die die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine<span class=\"_ _2\"></span>n ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Ein<span class=\"_ _2\"></span>fluss au<span class=\"_ _2\"></span>s\u00fcbt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n nach d<span class=\"_ _2\"></span>er Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der Regel b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht e<span class=\"_ _2\"></span>in ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Ein<span class=\"_ _2\"></span>fluss be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n 20 un<span class=\"_ _2\"></span>d 50 % (\u201e<span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen\u201c). Ma<span class=\"_ _2\"></span>\u00dfgeblic<span class=\"_ _2\"></span>her Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s hei\u00dft<span class=\"_ _2\"></span>: Die M<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>chke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, an de<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>z- und gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>spoli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n mit<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, jedo<span class=\"_ _2\"></span>ch nic<span class=\"_ _2\"></span>ht die B<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ng aus-<span class=\"_ _39f\"> </span>zu\u00fcbe<span class=\"_ _2\"></span>n. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>h der Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Ant<span class=\"_ _2\"></span>eile an d<span class=\"_ _2\"></span>em ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en in d<span class=\"_ _2\"></span>er Bil<span class=\"_ _2\"></span>anz zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zuz\u00fcgl<span class=\"_ _2\"></span>ich de<span class=\"_ _2\"></span>r nach d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>konsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>inget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>s Ante<span class=\"_ _2\"></span>ils de<span class=\"_ _2\"></span>s Konze<span class=\"_ _2\"></span>rns am N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toverm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>es assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span> erf<span class=\"_ _2\"></span>asst<span class=\"_ _39f\"> </span>Anteil<span class=\"_ _9\"></span>e an at-equit<span class=\"_ _2\"></span>y-bewer<span class=\"_ _2\"></span>teten Unternehmen<span class=\"_ _4\"></span> In d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Positi<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an je<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r Eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>An <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>m Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob <span class=\"_ _2\"></span>sich o<span class=\"_ _2\"></span>bjek<span class=\"_ _3\"></span>tive <span class=\"_ _2\"></span>Hinwei<span class=\"_ _2\"></span>se da<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>uf e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>ispi<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>te d<span class=\"_ _2\"></span>es Rei<span class=\"_ _2\"></span>nverm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>m\u00e4\u00dfig d<span class=\"_ _2\"></span>ie Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>obje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve Hi<span class=\"_ _2\"></span>nweise vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung \u00fcber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lbare<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>m Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t abz\u00fcglic<span class=\"_ _2\"></span>h Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>In we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>ine N<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit gem\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>28 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>, ein<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>urchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die wec<span class=\"_ _2\"></span>hse<span class=\"_ _2\"></span>lseit<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen m<span class=\"_ _2\"></span>it der O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG und mit de<span class=\"_ _2\"></span>r BK<span class=\"_ _3\"></span>S Bank AG sind u<span class=\"_ _2\"></span>nter d<span class=\"_ _2\"></span>em Be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f Ring<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>. Bei d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>ngbe<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung w<span class=\"_ _2\"></span>ird de<span class=\"_ _2\"></span>r gep<span class=\"_ _2\"></span>lante J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>s auf Eb<span class=\"_ _2\"></span>ene Ein<span class=\"_ _2\"></span>zelabs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>omit in<span class=\"_ _2\"></span>klus<span class=\"_ _2\"></span>ive er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r Div<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>den d<span class=\"_ _2\"></span>er Sc<span class=\"_ _2\"></span>hwest<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) h<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>angezog<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In e<span class=\"_ _2\"></span>inem z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den di<span class=\"_ _2\"></span>e gep<span class=\"_ _2\"></span>lante<span class=\"_ _2\"></span>n Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n der Schwes<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>ken el<span class=\"_ _2\"></span>iminie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten S<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>llf<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>e R\u00fcck<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>ndot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungen i<span class=\"_ _2\"></span>n der D<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ailpl<span class=\"_ _2\"></span>anung<span class=\"_ _2\"></span>sph<span class=\"_ _2\"></span>ase (zur Einhalt<span class=\"_ _2\"></span>ung von Eigenm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lvor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten) abgezogen<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s Erge<span class=\"_ _2\"></span>bnis d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>us und so<span class=\"_ _2\"></span>mit als B<span class=\"_ _2\"></span>asis f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng ste<span class=\"_ _2\"></span>ht das a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hige Erge<span class=\"_ _2\"></span>bnis (<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tet mit Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. Die Wer<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit de<span class=\"_ _2\"></span>r wech<span class=\"_ _2\"></span>sels<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>etei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en wa<span class=\"_ _2\"></span>r im Bericht<span class=\"_ _2\"></span>sjahr gegeben. Gem<span class=\"_ _2\"></span>\u00e4\u00df e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mung m<span class=\"_ _2\"></span>it I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 28 <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um +0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Pk<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. er<span class=\"_ _2\"></span>h\u00f6ht <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. um \u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG um </span>+<span class=\"_ _4\"></span>21 Mio. <span class=\"_ _2\"></span>\u20ac (\u2212<span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _3\"></span>25 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">2<span class=\"_ _2\"></span>0 M<span class=\"_ _2\"></span>io. \u20ac (+0,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG w\u00fc<span class=\"_ _2\"></span>rde s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t </span>um +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span><span class=\"fs6 fc2 ls2 ws1\">\u2212<span class=\"_ _2\"></span><span class=\"fs5 fc3 ls13 ws14\">0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) bzw. </span>\u2212<span class=\"fs5 fc3 ls13 ws14\">10 Mio. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>+<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.) ver\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus at-equity-<span class=\"_ _2\"></span>bewerteten Unternehmen<span class=\"_ _9\"></span> Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Post<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-596": {
   "value": "Nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nbezo<span class=\"_ _2\"></span>gen:<span class=\"_ _39f\"> </span>At-equity-k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _217\"> </span><span class=\"ls2\"> </span>Anteil in %<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG, Kl<span class=\"_ _2\"></span>agenfur<span class=\"_ _2\"></span>t<span class=\"_ _218\"> </span>17,87 %<span class=\"_ _39f\"> </span>Oberbank AG, <span class=\"_ _2\"></span>Linz <span class=\"_ _219\"> </span>16,45 %<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _21a\"> </span>24,99 %<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>fur<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in Li<span class=\"_ _2\"></span>nz sin<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>gion<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Unive<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>alban<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d bil<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sam <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Mo<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lags<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>ten P<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>t (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>geszei<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>swoc<span class=\"_ _2\"></span>henze<span class=\"_ _2\"></span>itung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mag<span class=\"_ _2\"></span>azi<span class=\"_ _2\"></span>ne<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>Onl<span class=\"_ _2\"></span>ine t<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>aus f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nabsc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezo<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen<span class=\"_ _2\"></span>, obwo<span class=\"_ _2\"></span>hl sie <span class=\"_ _2\"></span>die 2<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgre<span class=\"_ _2\"></span>nze nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>an de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>k AG bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nk AG bz<span class=\"_ _2\"></span>w. f\u00fcr d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG best<span class=\"_ _2\"></span>eht <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und de<span class=\"_ _2\"></span>r G3B <span class=\"_ _2\"></span>Ho<span class=\"_ _2\"></span>lding <span class=\"_ _2\"></span>AG jeweils <span class=\"_ _2\"></span>ein Syn<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>Zweck die E<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>igens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ute i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Somi<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>M\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>ma\u00dfgeb<span class=\"_ _2\"></span>li<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>chen Einfl<span class=\"_ _2\"></span>uss auszu\u00fcben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den je<span class=\"_ _2\"></span>weils mit St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>09. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, um eine ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung zu erm\u00f6glichen. 34<span class=\"ws1\">c Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber asso<span class=\"_ _9\"></span>ziierten</span><span class=\"ws1\"> </span>Unternehmen und Beteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1eb\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _5d\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _331\"> </span><span class=\"ff2\">20.352<span class=\"_ _145\"> </span>38.787<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _2d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _2e2\"> </span><span class=\"wse\">20.352<span class=\"_ _13d\"> </span>38.787<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _a5\"> </span><span class=\"ff2\">5.242<span class=\"_ _d3\"> </span>338<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _31d\"> </span><span class=\"ff2 ls2 ws1\">5<span class=\"_ _cc\"> </span>2<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _2e5\"> </span><span class=\"wse\">5.247<span class=\"_ _d4\"> </span>340<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung si<span class=\"_ _2\"></span>nd 1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>29 T<span class=\"_ _9\"></span>sd. \u20ac <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 771 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _a\"></span>) und 47 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>60 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode e<span class=\"_ _2\"></span>inb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>b\u00f6r<span class=\"_ _2\"></span>seno<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>z-<span class=\"ff2 ls2 ws1\"> </span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>768 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>81<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>328 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, davon <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fiel<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>AG 1<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>0.1<span class=\"_ _10\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>33.4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG 81<span class=\"_ _9\"></span>0.6<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 7<span class=\"_ _9\"></span>4<span class=\"_ _9\"></span>7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>928 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Summ<span class=\"_ _2\"></span>e te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enzen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ng mit Ante<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>an a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 780<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 71<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>.9<span class=\"_ _2\"></span>07 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hl de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t wie <span class=\"_ _2\"></span>im Vorjah<span class=\"_ _2\"></span>r 9.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>262 St\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>34d \u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2024<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per <span class=\"_ _47\"></span> 31.12.2024<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">295.531<span class=\"_ _183\"> </span></span><span class=\"ls2\">0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.786<span class=\"_ _145\"> </span>29.851<span class=\"_ _12b\"> </span>327.167<span class=\"_ _1ce\"> </span><span class=\"ff4\">15,90<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">618.506<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span></span>\u22127.461<span class=\"_ _145\"> </span><span class=\"ff2\">47.990<span class=\"_ _12b\"> </span>659.035<span class=\"_ _1ce\"> </span></span>69,80<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _b1\"> </span><span class=\"ff2\">5.372<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>3<span class=\"_ _d3\"> </span></span>189<span class=\"_ _1e3\"> </span>5.564<span class=\"_ _1cc\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>\u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2023<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per 31.12.2023<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">272.091<span class=\"_ _9a\"> </span>952<span class=\"_ _99\"> </span>7.161<span class=\"_ _145\"> </span>15.327<span class=\"_ _12b\"> </span>295.531<span class=\"_ _1ce\"> </span><span class=\"ff4\">16,30<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">542.478<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.724<span class=\"_ _145\"> </span>73.304<span class=\"_ _90\"> </span>618.506<span class=\"_ _98\"> </span></span>64,40<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _333\"> </span><span class=\"ff2\">13.036<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span></span>\u221210<span class=\"_ _f4\"> </span>\u22127.654<span class=\"_ _99\"> </span><span class=\"ff2\">5.372<span class=\"_ _99\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>n. v. <span class=\"_ _9\"></span>= nicht v<span class=\"_ _9\"></span>orhanden<span class=\"_ _39f\"> </span>34e<span class=\"_ _39f\"> </span>Die at-equity-bewerteten asso<span class=\"_ _9\"></span>ziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _334\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _335\"> </span><span class=\"wse\">10.842.870<span class=\"_ _f2\"> </span>10.572.131<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">27.973.636<span class=\"_ _f2\"> </span>27.977.388<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">90.274<span class=\"_ _145\"> </span>93.384<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _1ed\"> </span>38.906.780<span class=\"_ _f\"> </span>38.642.903<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _294\"> </span><span class=\"wse\">8.946.527<span class=\"_ _ee\"> </span>8.852.862<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">23.908.448<span class=\"_ _f2\"> </span>24.158.173<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">61.033<span class=\"_ _145\"> </span>68.365<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _337\"> </span><span class=\"lse wse\">32.916.008<span class=\"_ _f\"> </span>33.079.400<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _26a\"> </span><span class=\"wse\">369.658<span class=\"_ _90\"> </span>322.411<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _289\"> </span><span class=\"ff2\">807.402<span class=\"_ _90\"> </span>951.592<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">93.965<span class=\"_ _12b\"> </span>103.629<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _338\"> </span>1.271.025<span class=\"_ _10a\"> </span>1.377.632<span class=\"_ _39f\"> </span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">183.110<span class=\"_ _12b\"> </span>149.419<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _339\"> </span><span class=\"ff2\">14.981<span class=\"_ _145\"> </span>12.859<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG Gesamtjahresergebnis<span class=\"_ _28d\"> </span><span class=\"ff2\">198.091<span class=\"_ _e1\"> </span>162.278<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">362.598<span class=\"_ _12b\"> </span>498.325<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _33a\"> </span>\u221226.640<span class=\"_ _145\"> </span><span class=\"ff2\">24.292<span class=\"_ _39f\"> </span></span>Oberbank AG Gesamtjahresergebnis<span class=\"_ _1db\"> </span><span class=\"ff2\">335.958<span class=\"_ _90\"> </span>522.617<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1b0\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Sonstiges Gesamtergebnis<span class=\"_ _323\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Moser Holding AG Gesamtjahresergebnis<span class=\"_ _2ce\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Gesamtjahresergebnis<span class=\"_ _33b\"> </span>538.701<span class=\"_ _e2\"> </span>656.549<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _33c\"> </span><span class=\"wse\">2.864<span class=\"_ _99\"> </span>2.028<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _33d\"> </span><span class=\"ff2\">11.614<span class=\"_ _99\"> </span>8.420<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _24b\"> </span><span class=\"ff2\">875<span class=\"_ _6a\"> </span>512<span class=\"_ _39f\"> </span></span>Erhaltene Dividenden<span class=\"_ _33e\"> </span><span class=\"wse\">15.353<span class=\"_ _13d\"> </span>10.960<span class=\"_ _39f\"> </span></span>34f <span class=\"ls4f\">Die zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bzw<span class=\"_ _4\"></span>. zum Fair Value be<span class=\"_ _9\"></span>werteten <span class=\"ls2\"> </span></span>assoziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> <span class=\"_ _2\"></span> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _33f\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2e4\"> </span><span class=\"ff2 lse wse\">96.701<span class=\"_ _f4\"> </span>92.522<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _ca\"> </span><span class=\"ff2 lse wse\">50.933<span class=\"_ _145\"> </span>53.822<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _340\"> </span><span class=\"ff2\">102.261<span class=\"_ _145\"> </span>89.461<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _32e\"> </span><span class=\"ff2\">1.975<span class=\"_ _99\"> </span>2.082<span class=\"_ _39f\"> </span></span>Unternehmensname und -sitz<span class=\"_ _39f\"> </span>Kapitalanteil insges.<span class=\"_ _39f\"> </span>Kapitalanteil<span class=\"_ _9\"></span> direkt<span class=\"_ _39f\"> </span>Eigenkapital in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 1<span class=\"_ _39f\"> </span>Ergebnis <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac 2<span class=\"_ _39f\"> </span>Abschluss-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>datum<span class=\"_ _39f\"> </span>b) Assoziierte Unternehmen<span class=\"_ _39f\"> </span>1. Sonstige inl\u00e4ndische <span class=\"_ _2\"></span>Unternehmen:<span class=\"_ _39f\"> </span>Montafoner K<span class=\"_ _2\"></span>ristberg-Bahn <span class=\"_ _2\"></span>Silber<span class=\"_ _2\"></span>tal <span class=\"ff2 ls2 ws1\"> </span>Gesellschaf<span class=\"_ _2\"></span>t m.b.H<span class=\"_ _2\"></span>., Si<span class=\"_ _2\"></span>lber<span class=\"_ _2\"></span>tal<span class=\"_ _39f\"> </span>32,29 %<span class=\"_ _67\"> </span><span class=\"ff2\">452<span class=\"_ _89\"> </span></span>\u221241<span class=\"_ _8f\"> </span><span class=\"ff2\">30.04.2024<span class=\"_ _39f\"> </span></span>Beteiligungsver<span class=\"_ _2\"></span>waltung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>., Linz<span class=\"_ _148\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _10d\"> </span><span class=\"ff2\">14.361<span class=\"_ _116\"> </span>571<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken IT <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Linz<span class=\"_ _352\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _fd\"> </span><span class=\"ff2\">3.633<span class=\"_ _14e\"> </span>54<span class=\"_ _8f\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3-Banken Beteiligung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H., <span class=\"_ _2\"></span>Linz<span class=\"_ _157\"> </span>30,00 <span class=\"_ _2\"></span>%<span class=\"_ _169\"> </span><span class=\"ff2\">3.237<span class=\"_ _109\"> </span>266<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>3 Banken Versicherungsmakler Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>.,   <span class=\"_ _2\"></span> <span class=\"ff2 ls2 ws1\"> </span>Innsbruck<span class=\"_ _39f\"> </span>30,00 %<span class=\"_ _122\"> </span>30,00 %<span class=\"_ _116\"> </span><span class=\"ff2\">673<span class=\"_ _109\"> </span>126<span class=\"_ _f1\"> </span>31.12.2024<span class=\"_ _39f\"> </span></span>Sitzwohl in der <span class=\"_ _2\"></span>Gilmschule GmbH<span class=\"_ _2\"></span>, Innsbru<span class=\"_ _2\"></span>ck<span class=\"_ _17\"> </span>25,71 %<span class=\"_ _67\"> </span><span class=\"ff2\">228<span class=\"_ _71\"> </span></span>\u22124<span class=\"_ _f1\"> </span><span class=\"ff2\">30.09.2023<span class=\"_ _39f\"> </span></span>KopfStart <span class=\"_ _2\"></span>GmbH, <span class=\"_ _2\"></span>Wien<span class=\"_ _1a1\"> </span>25,03 %<span class=\"_ _67\"> </span><span class=\"ff2\">268<span class=\"_ _148\"> </span>93<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Innfolioly<span class=\"_ _2\"></span>tix GmbH<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _186\"> </span>26,00 <span class=\"_ _2\"></span>%<span class=\"_ _aa\"> </span><span class=\"ff2\">89<span class=\"_ _148\"> </span>16<span class=\"_ _f1\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>1  <span class=\"ff4 fc3 ls54 ws57\"> <span class=\"_ _cd\"> </span>Eigenkapital im Sinne <span class=\"_ _9\"></span>des \u00a7 <span class=\"_ _9\"></span>229 UGB <span class=\"ff2 ls2 ws1\"> </span></span>2  <span class=\"_ _351\"></span><span class=\"ff4 fc3 ls54 ws57\">Jahres\u00fcberschuss/-fehlbetrag nach Ertrags<span class=\"_ _2\"></span>teuern, vor R\u00fccklagenbewegung <span class=\"_ _4\"></span>un<span class=\"_ _2\"></span>d Ergebnisverwendung</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-580": {
   "value": "Nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equ<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nbezo<span class=\"_ _2\"></span>gen:<span class=\"_ _39f\"> </span>At-equity-k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>ten<span class=\"_ _217\"> </span><span class=\"ls2\"> </span>Anteil in %<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG, Kl<span class=\"_ _2\"></span>agenfur<span class=\"_ _2\"></span>t<span class=\"_ _218\"> </span>17,87 %<span class=\"_ _39f\"> </span>Oberbank AG, <span class=\"_ _2\"></span>Linz <span class=\"_ _219\"> </span>16,45 %<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, Innsbruck<span class=\"_ _21a\"> </span>24,99 %<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>fur<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ank AG mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>in Li<span class=\"_ _2\"></span>nz sin<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>gion<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Unive<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>alban<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d bil<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sam <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Mo<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lags<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>ten P<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>t (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>geszei<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>swoc<span class=\"_ _2\"></span>henze<span class=\"_ _2\"></span>itung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mag<span class=\"_ _2\"></span>azi<span class=\"_ _2\"></span>ne<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>Onl<span class=\"_ _2\"></span>ine t<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S Ba<span class=\"_ _2\"></span>nk AG wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>aus f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nabsc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezo<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen<span class=\"_ _2\"></span>, obwo<span class=\"_ _2\"></span>hl sie <span class=\"_ _2\"></span>die 2<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgre<span class=\"_ _2\"></span>nze nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>an de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ban<span class=\"_ _2\"></span>k AG bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nk AG bz<span class=\"_ _2\"></span>w. f\u00fcr d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BK<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG best<span class=\"_ _2\"></span>eht <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und de<span class=\"_ _2\"></span>r G3B <span class=\"_ _2\"></span>Ho<span class=\"_ _2\"></span>lding <span class=\"_ _2\"></span>AG jeweils <span class=\"_ _2\"></span>ein Syn<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>Zweck die E<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>igens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ute i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Somi<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>M\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>ma\u00dfgeb<span class=\"_ _2\"></span>li<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>chen Einfl<span class=\"_ _2\"></span>uss auszu\u00fcben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den je<span class=\"_ _2\"></span>weils mit St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>09. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, um eine ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung zu erm\u00f6glichen. Die A<span class=\"_ _2\"></span>LPE<span class=\"_ _2\"></span>NL<span class=\"_ _3\"></span>\u00c4N<span class=\"_ _2\"></span>DI<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>E G<span class=\"_ _2\"></span>AR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>TI<span class=\"_ _2\"></span>E - <span class=\"_ _2\"></span>GE<span class=\"_ _2\"></span>SE<span class=\"_ _2\"></span>LL<span class=\"_ _2\"></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>onzessi<span class=\"_ _2\"></span>on ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>\u00a7 1 A<span class=\"_ _2\"></span>bs<span class=\"_ _2\"></span>. 1 Z <span class=\"_ _2\"></span>8 BWG<span class=\"_ _2\"></span>. Aussc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfliche<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>sgege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hme <span class=\"_ _2\"></span>von Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>\u00fcrg<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tivge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r 3 B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im We<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie ei<span class=\"_ _2\"></span>nzige Q<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>le f<span class=\"_ _2\"></span>\u00fcr Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eitr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Des<span class=\"_ _2\"></span>halb er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>te na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.B29<span class=\"_ _3\"></span>-3<span class=\"_ _9\"></span>2 ein<span class=\"_ _2\"></span>e Eins<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng als <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>einsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>he T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie an<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te und <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Anteilsm\u00e4\u00dfig k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _143\"> </span> Anteil in %<span class=\"_ _39f\"> </span>ALPENL\u00c4NDISCHE GARANT<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- GESELL<span class=\"_ _2\"></span>SCHAF<span class=\"_ _2\"></span>T m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>. <span class=\"_ _21b\"> </span>25,00 %<span class=\"_ _39f\"> </span>Die O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG is<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>50 %<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S AG und d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>AG sind je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>zu 25 <span class=\"_ _2\"></span>% an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALP<span class=\"_ _2\"></span>EN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4N<span class=\"_ _2\"></span>D<span class=\"_ _2\"></span>ISCH<span class=\"_ _2\"></span>E <span class=\"_ _2\"></span>GAR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- G<span class=\"_ _2\"></span>ES<span class=\"_ _2\"></span>ELL<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. (<span class=\"_ _2\"></span>i. d<span class=\"_ _2\"></span>. F<span class=\"_ _9\"></span>. kur<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>\u201e<span class=\"_ _3\"></span>ALGAR<span class=\"_ _2\"></span>\u201c) <span class=\"_ _2\"></span>bete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR<span class=\"_ _3\"></span>, die \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>konzes<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>on ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>me von <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>lehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobei <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Aus-<span class=\"ff2 ls2 ws1\"> </span>ma\u00df d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uchn<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R vor<span class=\"_ _2\"></span>hande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iele<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n res<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vier<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>(H<span class=\"_ _2\"></span>\u00f6chs<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ige I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>). <span class=\"_ _2\"></span>Die La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ie is<span class=\"_ _2\"></span>t ze<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>limit<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n l<span class=\"_ _2\"></span>aufe<span class=\"_ _2\"></span>nd <span class=\"_ _2\"></span>ein G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt zu <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch im Fa<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6ht (Malus<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>). Zum 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 ste<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten Volumen von 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>357<span class=\"_ _10\"></span>.<span class=\"_ _3\"></span>31<span class=\"_ _10\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>25.<span class=\"_ _3\"></span>878.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ei<span class=\"_ _2\"></span>ne R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>LGAR in H\u00f6h<span class=\"_ _2\"></span>e von 45<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>339 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>20.<span class=\"_ _3\"></span>555 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber. Da der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tievol<span class=\"_ _2\"></span>umen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st den <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>eif<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag die <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>chen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>s mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG gesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>einkom<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it (<span class=\"_ _2\"></span>J<span class=\"_ _2\"></span>oint O<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion) iSd I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1 <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Insowe<span class=\"_ _2\"></span>it se<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>ns de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nrec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R da<span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ies b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>figen <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iee<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen angem<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>obligo<span class=\"_ _2\"></span>s, f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALGAR <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>noc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lene <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>volume<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>mange<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Zuord<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er Vorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>zu sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Dar<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hend <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch f\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 d<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete L<span class=\"_ _2\"></span>ife<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>utig <span class=\"_ _2\"></span>zuord<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 9.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>9<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.724 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 3 w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Vorsor<span class=\"_ _2\"></span>gen i<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>3.457 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 7<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>34 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>5 <span class=\"ws1\">Anteile an at-equity-bewerteten Unternehmen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _11d\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Kreditinstitute<span class=\"_ _1f2\"> </span><span class=\"ff2\">986.202<span class=\"_ _106\"> </span>914.036<span class=\"_ _39f\"> </span></span>Nicht-Kreditinstitute<span class=\"_ _24c\"> </span><span class=\"ff2\">5.564<span class=\"_ _fd\"> </span>5.373<span class=\"_ _39f\"> </span></span>Anteile an at-equity-bew<span class=\"_ _9\"></span>erteten Unternehmen<span class=\"_ _37\"> </span><span class=\"wse\">991.766<span class=\"_ _12e\"> </span>919.408<span class=\"_ _39f\"> </span></span>22 Er<span class=\"_ _2\"></span>folg aus at-equity-bewerteten Unternehmen <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _2d6\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Kreditinstitute<span class=\"_ _2d7\"> </span><span class=\"ff2\">92.320<span class=\"_ _145\"> </span>99.078<span class=\"_ _39f\"> </span></span>Nicht-Kreditinstitute<span class=\"_ _285\"> </span><span class=\"ff2\">1.063<span class=\"_ _145\"> </span></span>\u20137.141<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg aus at-equity-bewerteten Unternehmen <span class=\"_ _2d8\"> </span><span class=\"wse\">93.383<span class=\"_ _13d\"> </span>91.937<span class=\"_ _39f\"> </span></span>34<span class=\"ws1\">c Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber asso<span class=\"_ _9\"></span>ziierten</span><span class=\"ws1\"> </span>Unternehmen und Beteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1eb\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _5d\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _331\"> </span><span class=\"ff2\">20.352<span class=\"_ _145\"> </span>38.787<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _2d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _2e2\"> </span><span class=\"wse\">20.352<span class=\"_ _13d\"> </span>38.787<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _a5\"> </span><span class=\"ff2\">5.242<span class=\"_ _d3\"> </span>338<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _31d\"> </span><span class=\"ff2 ls2 ws1\">5<span class=\"_ _cc\"> </span>2<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _2e5\"> </span><span class=\"wse\">5.247<span class=\"_ _d4\"> </span>340<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung si<span class=\"_ _2\"></span>nd 1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>29 T<span class=\"_ _9\"></span>sd. \u20ac <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 771 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _a\"></span>) und 47 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>60 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode e<span class=\"_ _2\"></span>inb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>b\u00f6r<span class=\"_ _2\"></span>seno<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>z-<span class=\"ff2 ls2 ws1\"> </span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>768 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>81<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>328 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, davon <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fiel<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>AG 1<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>0.1<span class=\"_ _10\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>33.4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG 81<span class=\"_ _9\"></span>0.6<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 7<span class=\"_ _9\"></span>4<span class=\"_ _9\"></span>7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>928 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Summ<span class=\"_ _2\"></span>e te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enzen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ng mit Ante<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>an a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 780<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 71<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>.9<span class=\"_ _2\"></span>07 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hl de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t wie <span class=\"_ _2\"></span>im Vorjah<span class=\"_ _2\"></span>r 9.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>262 St\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>34d \u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2024<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per <span class=\"_ _47\"></span> 31.12.2024<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">295.531<span class=\"_ _183\"> </span></span><span class=\"ls2\">0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.786<span class=\"_ _145\"> </span>29.851<span class=\"_ _12b\"> </span>327.167<span class=\"_ _1ce\"> </span><span class=\"ff4\">15,90<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">618.506<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span></span>\u22127.461<span class=\"_ _145\"> </span><span class=\"ff2\">47.990<span class=\"_ _12b\"> </span>659.035<span class=\"_ _1ce\"> </span></span>69,80<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _b1\"> </span><span class=\"ff2\">5.372<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>3<span class=\"_ _d3\"> </span></span>189<span class=\"_ _1e3\"> </span>5.564<span class=\"_ _1cc\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>\u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2023<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per 31.12.2023<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">272.091<span class=\"_ _9a\"> </span>952<span class=\"_ _99\"> </span>7.161<span class=\"_ _145\"> </span>15.327<span class=\"_ _12b\"> </span>295.531<span class=\"_ _1ce\"> </span><span class=\"ff4\">16,30<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">542.478<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.724<span class=\"_ _145\"> </span>73.304<span class=\"_ _90\"> </span>618.506<span class=\"_ _98\"> </span></span>64,40<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _333\"> </span><span class=\"ff2\">13.036<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span></span>\u221210<span class=\"_ _f4\"> </span>\u22127.654<span class=\"_ _99\"> </span><span class=\"ff2\">5.372<span class=\"_ _99\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>n. v. <span class=\"_ _9\"></span>= nicht v<span class=\"_ _9\"></span>orhanden<span class=\"_ _39f\"> </span>34e<span class=\"_ _39f\"> </span>Die at-equity-bewerteten asso<span class=\"_ _9\"></span>ziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _334\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _335\"> </span><span class=\"wse\">10.842.870<span class=\"_ _f2\"> </span>10.572.131<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">27.973.636<span class=\"_ _f2\"> </span>27.977.388<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">90.274<span class=\"_ _145\"> </span>93.384<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _1ed\"> </span>38.906.780<span class=\"_ _f\"> </span>38.642.903<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _294\"> </span><span class=\"wse\">8.946.527<span class=\"_ _ee\"> </span>8.852.862<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">23.908.448<span class=\"_ _f2\"> </span>24.158.173<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">61.033<span class=\"_ _145\"> </span>68.365<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _337\"> </span><span class=\"lse wse\">32.916.008<span class=\"_ _f\"> </span>33.079.400<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _26a\"> </span><span class=\"wse\">369.658<span class=\"_ _90\"> </span>322.411<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _289\"> </span><span class=\"ff2\">807.402<span class=\"_ _90\"> </span>951.592<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">93.965<span class=\"_ _12b\"> </span>103.629<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _338\"> </span>1.271.025<span class=\"_ _10a\"> </span>1.377.632<span class=\"_ _39f\"> </span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">183.110<span class=\"_ _12b\"> </span>149.419<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _339\"> </span><span class=\"ff2\">14.981<span class=\"_ _145\"> </span>12.859<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG Gesamtjahresergebnis<span class=\"_ _28d\"> </span><span class=\"ff2\">198.091<span class=\"_ _e1\"> </span>162.278<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">362.598<span class=\"_ _12b\"> </span>498.325<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _33a\"> </span>\u221226.640<span class=\"_ _145\"> </span><span class=\"ff2\">24.292<span class=\"_ _39f\"> </span></span>Oberbank AG Gesamtjahresergebnis<span class=\"_ _1db\"> </span><span class=\"ff2\">335.958<span class=\"_ _90\"> </span>522.617<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1b0\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Sonstiges Gesamtergebnis<span class=\"_ _323\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Moser Holding AG Gesamtjahresergebnis<span class=\"_ _2ce\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Gesamtjahresergebnis<span class=\"_ _33b\"> </span>538.701<span class=\"_ _e2\"> </span>656.549<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _33c\"> </span><span class=\"wse\">2.864<span class=\"_ _99\"> </span>2.028<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _33d\"> </span><span class=\"ff2\">11.614<span class=\"_ _99\"> </span>8.420<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _24b\"> </span><span class=\"ff2\">875<span class=\"_ _6a\"> </span>512<span class=\"_ _39f\"> </span></span>Erhaltene Dividenden<span class=\"_ _33e\"> </span><span class=\"wse\">15.353<span class=\"_ _13d\"> </span>10.960<span class=\"_ _39f\"> </span></span>34f <span class=\"ls4f\">Die zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bzw<span class=\"_ _4\"></span>. zum Fair Value be<span class=\"_ _9\"></span>werteten <span class=\"ls2\"> </span></span>assoziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> <span class=\"_ _2\"></span> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _33f\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2e4\"> </span><span class=\"ff2 lse wse\">96.701<span class=\"_ _f4\"> </span>92.522<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _ca\"> </span><span class=\"ff2 lse wse\">50.933<span class=\"_ _145\"> </span>53.822<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _340\"> </span><span class=\"ff2\">102.261<span class=\"_ _145\"> </span>89.461<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _32e\"> </span><span class=\"ff2\">1.975<span class=\"_ _99\"> </span>2.082<span class=\"_ _39f\"> </span></span>34g Kreditinstitute<span class=\"wseb\"> m</span>it Anteilsbesitz <span class=\"ff6fd\">&gt; 20 % </span>an der BTV AG <span class=\"ff6fd\">wiesen</span><span class=\"ff6fd\"> </span>zum Bilanzstichtag folgende Werte auf <span class=\"fs9 ls16 ws1\">in Tsd<span class=\"_ _39f\"> </span></span>. \u20ac<span class=\"_ _341\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2c8\"> </span><span class=\"ff2 lse wse\">784.974.000<span class=\"_ _f\"> </span>843.506.000<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _2b6\"> </span><span class=\"ff2 lse wse\">720.895.000<span class=\"_ _100\"> </span>781.625.000<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _23b\"> </span><span class=\"ff2\">23.826.000<span class=\"_ _f2\"> </span>11.897.000<span class=\"_ _39f\"> </span></span>Jahres\u00fcberschuss<span class=\"_ _1df\"> </span><span class=\"ff2\">6.473.000<span class=\"_ _ee\"> </span>5.934.000<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd 5 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 105 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) <span class=\"ff2\"> </span>f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich zum St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f 3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vor<span class=\"_ _4\"></span>-<span class=\"ff2\"> </span>jahr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f 7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>50 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 3.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Es w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n f\u00fcr di<span class=\"_ _2\"></span>e Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>te in de<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n 3<span class=\"_ _2\"></span>4e un<span class=\"_ _2\"></span>d 34<span class=\"_ _2\"></span>g die l<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se als B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>lage herangezogen.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-597": {
   "value": "Die A<span class=\"_ _2\"></span>LPE<span class=\"_ _2\"></span>NL<span class=\"_ _3\"></span>\u00c4N<span class=\"_ _2\"></span>DI<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>E G<span class=\"_ _2\"></span>AR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>TI<span class=\"_ _2\"></span>E - <span class=\"_ _2\"></span>GE<span class=\"_ _2\"></span>SE<span class=\"_ _2\"></span>LL<span class=\"_ _2\"></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>onzessi<span class=\"_ _2\"></span>on ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>\u00a7 1 A<span class=\"_ _2\"></span>bs<span class=\"_ _2\"></span>. 1 Z <span class=\"_ _2\"></span>8 BWG<span class=\"_ _2\"></span>. Aussc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfliche<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>sgege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hme <span class=\"_ _2\"></span>von Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>\u00fcrg<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tivge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r 3 B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>uppe <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im We<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie ei<span class=\"_ _2\"></span>nzige Q<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>le f<span class=\"_ _2\"></span>\u00fcr Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eitr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Des<span class=\"_ _2\"></span>halb er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>te na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.B29<span class=\"_ _3\"></span>-3<span class=\"_ _9\"></span>2 ein<span class=\"_ _2\"></span>e Eins<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng als <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>einsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>he T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie an<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te und <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>. be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Anteilsm\u00e4\u00dfig k<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Gesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _143\"> </span> Anteil in %<span class=\"_ _39f\"> </span>ALPENL\u00c4NDISCHE GARANT<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- GESELL<span class=\"_ _2\"></span>SCHAF<span class=\"_ _2\"></span>T m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>. <span class=\"_ _21b\"> </span>25,00 %<span class=\"_ _39f\"> </span>Die O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nk AG is<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>50 %<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>BK<span class=\"_ _3\"></span>S AG und d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>AG sind je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>zu 25 <span class=\"_ _2\"></span>% an <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALP<span class=\"_ _2\"></span>EN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4N<span class=\"_ _2\"></span>D<span class=\"_ _2\"></span>ISCH<span class=\"_ _2\"></span>E <span class=\"_ _2\"></span>GAR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- G<span class=\"_ _2\"></span>ES<span class=\"_ _2\"></span>ELL<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>SCHA<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>T <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. (<span class=\"_ _2\"></span>i. d<span class=\"_ _2\"></span>. F<span class=\"_ _9\"></span>. kur<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>\u201e<span class=\"_ _3\"></span>ALGAR<span class=\"_ _2\"></span>\u201c) <span class=\"_ _2\"></span>bete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR<span class=\"_ _3\"></span>, die \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>konzes<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>on ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>me von <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>lehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobei <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Aus-<span class=\"ff2 ls2 ws1\"> </span>ma\u00df d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uchn<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R vor<span class=\"_ _2\"></span>hande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iele<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n res<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vier<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>(H<span class=\"_ _2\"></span>\u00f6chs<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ige I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>). <span class=\"_ _2\"></span>Die La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ie is<span class=\"_ _2\"></span>t ze<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>limit<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n l<span class=\"_ _2\"></span>aufe<span class=\"_ _2\"></span>nd <span class=\"_ _2\"></span>ein G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt zu <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch im Fa<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6ht (Malus<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>). Zum 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 ste<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten Volumen von 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>357<span class=\"_ _10\"></span>.<span class=\"_ _3\"></span>31<span class=\"_ _10\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>25.<span class=\"_ _3\"></span>878.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ei<span class=\"_ _2\"></span>ne R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>LGAR in H\u00f6h<span class=\"_ _2\"></span>e von 45<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>339 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>20.<span class=\"_ _3\"></span>555 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber. Da der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tievol<span class=\"_ _2\"></span>umen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st den <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>eif<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag die <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lung.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>chen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>s mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k AG gesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>einkom<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it (<span class=\"_ _2\"></span>J<span class=\"_ _2\"></span>oint O<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion) iSd I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1 <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Insowe<span class=\"_ _2\"></span>it se<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>ns de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ALGAR a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nrec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ALGA<span class=\"_ _2\"></span>R da<span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ies b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>figen <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>iee<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen angem<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>obligo<span class=\"_ _2\"></span>s, f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ALGAR <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>LGAR vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>noc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lene <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>volume<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>mange<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Zuord<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er Vorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>zu sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edite<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Dar<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hend <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch f\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 d<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete L<span class=\"_ _2\"></span>ife<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s nic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>utig <span class=\"_ _2\"></span>zuord<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 9.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>9<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>.724 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 3 w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Vorsor<span class=\"_ _2\"></span>gen i<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>3.457 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 7<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>34 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-556": {
   "value": "Bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span> und B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>Euro (\u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns, <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f hing<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ause<span class=\"_ _2\"></span>nd (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>.) \u20ac dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Rundung<span class=\"_ _2\"></span>sdi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzen m<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>assage<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>assag<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e von finan<span class=\"_ _2\"></span>zielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n zum Er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ag er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst bz<span class=\"_ _2\"></span>w. ausgeb<span class=\"_ _2\"></span>ucht<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Struk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span> Einhe<span class=\"_ _2\"></span>iten Stru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sind U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>, die s<span class=\"_ _2\"></span>o konzipie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ass Stimm<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte ode<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are Rec<span class=\"_ _2\"></span>hte nic<span class=\"_ _2\"></span>ht der domini<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>chung si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ies is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise de<span class=\"_ _2\"></span>r Fall<span class=\"_ _2\"></span>, wenn St<span class=\"_ _2\"></span>immre<span class=\"_ _2\"></span>chte s<span class=\"_ _2\"></span>ich nur a<span class=\"_ _2\"></span>uf admini<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ive Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ziehe<span class=\"_ _2\"></span>n und die Re<span class=\"_ _2\"></span>chte z<span class=\"_ _2\"></span>ur Lenk<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V werd<span class=\"_ _2\"></span>en ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Pro<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten m<span class=\"_ _2\"></span>it eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4n<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>m T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>ber<span class=\"_ _2\"></span>eich s<span class=\"_ _2\"></span>owie Pu<span class=\"_ _2\"></span>blik<span class=\"_ _2\"></span>ums<span class=\"_ _2\"></span>fon<span class=\"_ _2\"></span>ds, F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r und Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten al<span class=\"_ _2\"></span>s str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einhe<span class=\"_ _2\"></span>iten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, sofe<span class=\"_ _2\"></span>rn di<span class=\"_ _2\"></span>e Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndung zu d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>iten ke<span class=\"_ _2\"></span>ine ge<span class=\"_ _2\"></span>w\u00f6hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. In de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>den ke<span class=\"_ _2\"></span>ine wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen bz<span class=\"_ _2\"></span>w. nicht ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en zu s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d als Spon<span class=\"_ _2\"></span>sor ein<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>it ange<span class=\"_ _2\"></span>sehe<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>nn Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>teiln<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r die Ein<span class=\"_ _2\"></span>heit m<span class=\"_ _2\"></span>it dem K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>, insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere d<span class=\"_ _2\"></span>urch Ver<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>dung des N<span class=\"_ _2\"></span>am<span class=\"_ _2\"></span>ens B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V i<span class=\"_ _2\"></span>n der F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ma ode<span class=\"_ _2\"></span>r auf G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren b<span class=\"_ _2\"></span>ei G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V als M<span class=\"_ _2\"></span>akl<span class=\"_ _2\"></span>er f<span class=\"_ _2\"></span>ungi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>n\u00fcp<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>fen<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V unte<span class=\"_ _2\"></span>rhie<span class=\"_ _2\"></span>lt im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum kei<span class=\"_ _2\"></span>ne Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bindung<span class=\"_ _2\"></span>en und i<span class=\"_ _2\"></span>st in d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>m Sinne n<span class=\"_ _2\"></span>icht al<span class=\"_ _2\"></span>s Spons<span class=\"_ _2\"></span>or auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 we<span class=\"_ _2\"></span>rden b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t dem b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls zuz\u00fcg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, angese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung und F<span class=\"_ _2\"></span>olgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung von fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten ge<span class=\"_ _2\"></span>m. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 i<span class=\"_ _2\"></span>st z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Sc<span class=\"_ _2\"></span>huldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>u<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>me<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n, Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n sowie Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten zu unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te k\u00f6nne<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Zuga<span class=\"_ _2\"></span>ng wah<span class=\"_ _2\"></span>lweise a<span class=\"_ _2\"></span>ls er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _3\"></span>-<span class=\"ff2\"> </span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t des<span class=\"_ _2\"></span>ignie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den (<span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion<span class=\"_ _9\"></span>), wenn da<span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n bei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ode<span class=\"_ _2\"></span>r bei<span class=\"_ _2\"></span>m Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z bes<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Wir<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>st die K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ng von Sch<span class=\"_ _2\"></span>uldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s an das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung dies<span class=\"_ _2\"></span>er Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te g<span class=\"_ _2\"></span>ekopp<span class=\"_ _2\"></span>elt<span class=\"_ _3\"></span>, ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Eigen<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r mit de<span class=\"_ _2\"></span>m Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t einh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell i<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>in beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>rer Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wie ei<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te f<span class=\"_ _2\"></span>\u00fcr Zwecke der Verein<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>nahmu<span class=\"_ _2\"></span>ng von Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll wur<span class=\"_ _2\"></span>de vom Man<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent der BT<span class=\"_ _2\"></span>V festge-<span class=\"_ _39f\"> </span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Dabei sin<span class=\"_ _2\"></span>d nicht die Absic<span class=\"_ _2\"></span>hten in Be<span class=\"_ _2\"></span>zug auf eine<span class=\"_ _2\"></span>n einzeln<span class=\"_ _2\"></span>en finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t aussc<span class=\"_ _2\"></span>hlag<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nd, son<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n es ist auf ein<span class=\"_ _2\"></span>e h\u00f6he<span class=\"_ _2\"></span>re Ag<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 die Steuer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 abzust<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e Gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>lle sind f<span class=\"_ _2\"></span>\u00fcr die Klass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von Schuldin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>umenten zu untersc<span class=\"_ _2\"></span>heiden:<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten\u201c<span class=\"_ _9\"></span>: Die Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht da<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>, die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente z<span class=\"_ _2\"></span>u halte<span class=\"_ _2\"></span>n, um b<span class=\"_ _2\"></span>is zur F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>li<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me zu ve<span class=\"_ _2\"></span>reinn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Zuor<span class=\"_ _2\"></span>dnung zum G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n\u201c setz<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e vorha<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>e Absic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, die S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente b<span class=\"_ _2\"></span>is zu de<span class=\"_ _2\"></span>r jeweil<span class=\"_ _2\"></span>igen F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit zu h<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, vor<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>. Eine g<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t zur vor<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>ung und folg<span class=\"_ _2\"></span>lich z<span class=\"_ _2\"></span>ur Realis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von Gew<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n und Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t dazu<span class=\"_ _2\"></span>, dass di<span class=\"_ _2\"></span>e f\u00fcr d<span class=\"_ _2\"></span>ieses G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Ha<span class=\"_ _2\"></span>ltea<span class=\"_ _2\"></span>bsich<span class=\"_ _2\"></span>t nicht b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n dies<span class=\"_ _2\"></span>em Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang h<span class=\"_ _2\"></span>at die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>aillie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen z<span class=\"_ _2\"></span>u den \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c f\u00fcr un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n nur dan<span class=\"_ _2\"></span>n im Eink<span class=\"_ _2\"></span>lang mi<span class=\"_ _2\"></span>t dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten\u201c<span class=\"_ _4\"></span>, wen<span class=\"_ _2\"></span>n diese e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der un<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>l-<span class=\"_ _39f\"> </span>m\u00e4\u00dfig vor<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, se<span class=\"_ _2\"></span>lbs<span class=\"_ _2\"></span>t wenn die<span class=\"_ _2\"></span>se von sig<span class=\"_ _2\"></span>nifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tem Wer<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, ode<span class=\"_ _2\"></span>r wenn di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe re<span class=\"_ _2\"></span>gelm\u00e4<span class=\"_ _2\"></span>\u00dfig auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d von nicht signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>m W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fsg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen\u201c wurden vom Vorst<span class=\"_ _2\"></span>and g<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>hmig<span class=\"_ _3\"></span>t und sind inter<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r \u201e<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Polic<span class=\"_ _2\"></span>y\u201c d<span class=\"_ _2\"></span>okum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c<span class=\"_ _9\"></span>: Die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>ines G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, desse<span class=\"_ _2\"></span>n Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung dar<span class=\"_ _2\"></span>in bes<span class=\"_ _2\"></span>teht<span class=\"_ _3\"></span>, die ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me zu ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n und die S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e zu ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _4\"></span>Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>en\u201c<span class=\"_ _4\"></span>: D<span class=\"_ _2\"></span>ie Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung in die<span class=\"_ _2\"></span>sem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht in de<span class=\"_ _2\"></span>r Max<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>rung von Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>men d<span class=\"_ _2\"></span>urch k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige K<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e und Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>. Die Verein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>bar<span class=\"_ _3\"></span>ter Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>e ist n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ns\u00e4c<span class=\"_ _2\"></span>hlic<span class=\"_ _2\"></span>h.<span class=\"_ _39f\"> </span>Das Ma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t die Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t defi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen a<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>te und K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowie Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>e zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n und Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c werden gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch Wert<span class=\"_ _2\"></span>papi<span class=\"_ _2\"></span>ere zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie haup<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4chl<span class=\"_ _2\"></span>ich als f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>di-<span class=\"_ _39f\"> </span>t\u00e4tsreser<span class=\"_ _3\"></span>ve dienen.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h alle fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die kei<span class=\"_ _2\"></span>nem d<span class=\"_ _2\"></span>er and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n beid<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle zuzu<span class=\"_ _2\"></span>ordne<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere i<span class=\"_ _2\"></span>m UG<span class=\"_ _2\"></span>B/BWG-<span class=\"_ _3\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewidm<span class=\"_ _2\"></span>ete Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e sowie im U<span class=\"_ _2\"></span>GB/BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewid<span class=\"_ _2\"></span>mete I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zu<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>dies <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tung f\u00fcr <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _3\"></span>, dan<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng alle<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>prosp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv <span class=\"_ _2\"></span>ab de<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>\u2013 das <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e T<span class=\"_ _4\"></span>ag <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>\u2013 vor<span class=\"_ _2\"></span>zune<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>s muss <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rekl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am ge<span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>in. <span class=\"_ _2\"></span>Dami<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ung zu<span class=\"_ _2\"></span>l\u00e4ssig <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>d\u00fcr<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lls k<span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>T\u00e4<span class=\"_ _2\"></span>tigk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n me<span class=\"_ _2\"></span>hr au<span class=\"_ _2\"></span>sge\u00fcb<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>aben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>l ist f<span class=\"_ _2\"></span>\u00fcr die K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng nach d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n das Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>trom<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch. Dies<span class=\"_ _2\"></span>es bes<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en zu Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>en zu f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd Zin<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n auf de<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en (So<span class=\"_ _2\"></span>lel<span class=\"_ _2\"></span>y Paym<span class=\"_ _2\"></span>ent o<span class=\"_ _2\"></span>f Pri<span class=\"_ _2\"></span>ncip<span class=\"_ _2\"></span>al and I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>est \u2013 S<span class=\"_ _2\"></span>PP<span class=\"_ _2\"></span>I). Zins<span class=\"_ _2\"></span>en im Sin<span class=\"_ _2\"></span>ne von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 sin<span class=\"_ _2\"></span>d das En<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt f\u00fc<span class=\"_ _2\"></span>r die Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung von Ge<span class=\"_ _2\"></span>ld \u00fcb<span class=\"_ _2\"></span>er ein<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>gung d<span class=\"_ _2\"></span>es Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos u<span class=\"_ _2\"></span>nd and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>ken de<span class=\"_ _2\"></span>r gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, wie b<span class=\"_ _2\"></span>spw. das Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko. Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>lung de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>mal<span class=\"_ _2\"></span>e ist an<span class=\"_ _2\"></span>hand d<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang gel<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr jed<span class=\"_ _2\"></span>es einze<span class=\"_ _2\"></span>lne F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>str<span class=\"_ _2\"></span>ument durchz<span class=\"_ _2\"></span>uf\u00fchr<span class=\"_ _2\"></span>en.<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-9 w<span class=\"_ _2\"></span>urde e<span class=\"_ _2\"></span>ine Che<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>list<span class=\"_ _2\"></span>e auf<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>aut<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis der<span class=\"_ _2\"></span>er die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ums f<span class=\"_ _2\"></span>\u00fcr die Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ten\u201c sowie \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung<span class=\"_ _3\"></span>, ob in Ein<span class=\"_ _2\"></span>zelf<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>rium e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist o<span class=\"_ _2\"></span>der nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>ch Einb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hung all<span class=\"_ _2\"></span>er re<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Fak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren u<span class=\"_ _2\"></span>nd ste<span class=\"_ _2\"></span>llt e<span class=\"_ _2\"></span>ine Er<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Sind die Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ums nich<span class=\"_ _2\"></span>t er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so mus<span class=\"_ _2\"></span>s das G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>sl\u00e4u<span class=\"_ _2\"></span>fig zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ob d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>romk<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, h\u00e4ng<span class=\"_ _3\"></span>t von de<span class=\"_ _2\"></span>r Ar<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d der S<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>anz ab, mi<span class=\"_ _2\"></span>t der di<span class=\"_ _2\"></span>e Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann mi<span class=\"_ _2\"></span>thil<span class=\"_ _2\"></span>fe ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>enc<span class=\"_ _2\"></span>hmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. L\u00e4<span class=\"_ _2\"></span>sst si<span class=\"_ _2\"></span>ch ohn<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r mit nur g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ngem A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>seau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and k<span class=\"_ _2\"></span>l\u00e4re<span class=\"_ _2\"></span>n, o<span class=\"_ _2\"></span>b die ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6me de<span class=\"_ _2\"></span>s finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s sich sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant von den Vergl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>s-Zahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6men e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s nicht s<span class=\"_ _2\"></span>ch\u00e4d<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>kins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ist e<span class=\"_ _2\"></span>ine qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Anal<span class=\"_ _2\"></span>yse ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>. Is<span class=\"_ _2\"></span>t dies ni<span class=\"_ _2\"></span>cht m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h, is<span class=\"_ _2\"></span>t ein q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>nchm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>t durc<span class=\"_ _2\"></span>hzuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn die beid<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sind u<span class=\"_ _2\"></span>nd die Fa<span class=\"_ _2\"></span>ir- V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt wi<span class=\"_ _2\"></span>rd:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Gesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smodell \u201e<span class=\"_ _2\"></span>Halten\u201c<span class=\"_ _9\"></span> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt<span class=\"_ _39f\"> </span></span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, wenn die b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t sind un<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt</span><span class=\"ls2 ws1\"> </span>Mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 w<span class=\"_ _2\"></span>urde b<span class=\"_ _2\"></span>ei Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>en De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>hlosse<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>lich a<span class=\"_ _2\"></span>uf de<span class=\"_ _2\"></span>n hybr<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>n Kont<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t aus S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t und eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>em De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fclle<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>uldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte de<span class=\"_ _2\"></span>n SP<span class=\"_ _2\"></span>PI<span class=\"_ _2\"></span>-T<span class=\"_ _10\"></span>es<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>ht ode<span class=\"_ _2\"></span>r werd<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c zugeor<span class=\"_ _2\"></span>dne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so sind d<span class=\"_ _2\"></span>iese f<span class=\"_ _2\"></span>\u00fcr die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet zu k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t pri<span class=\"_ _2\"></span>nzipie<span class=\"_ _2\"></span>ll dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dah<span class=\"_ _2\"></span>er wer<span class=\"_ _2\"></span>den F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en an K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute un<span class=\"_ _2\"></span>d Kun<span class=\"_ _2\"></span>den mi<span class=\"_ _2\"></span>t fes<span class=\"_ _2\"></span>ten o<span class=\"_ _2\"></span>der bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n, wen<span class=\"_ _2\"></span>n das S<span class=\"_ _2\"></span>PPI<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, mit de<span class=\"_ _2\"></span>n for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Sofe<span class=\"_ _2\"></span>rn Dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, hab<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se die Fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den al<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>kovor<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>sorgen ausgewiesen.<span class=\"_ _39f\"> </span>Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>igenk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und an<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nnte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>mi<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span> Bei I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen in Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die nicht zu H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>elsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht be<span class=\"_ _2\"></span>i der Er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assu<span class=\"_ _2\"></span>ng das unwid<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>e Wahlrecht<span class=\"_ _3\"></span>, alle W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis im Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l auszuwe<span class=\"_ _2\"></span>isen (OCI<span class=\"_ _2\"></span>-Wahlrec<span class=\"_ _2\"></span>ht). Das Wahlrecht k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n f\u00fcr j<span class=\"_ _2\"></span>edes e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ne Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>usge\u00fcb<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. Zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>eidung bz<span class=\"_ _2\"></span>w. Bes<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>ung von Volatili<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ten in de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung wir<span class=\"_ _2\"></span>d diese<span class=\"_ _2\"></span>s Wahlrech<span class=\"_ _2\"></span>t von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend a<span class=\"_ _2\"></span>usge\u00fc<span class=\"_ _2\"></span>bt<span class=\"_ _2\"></span>. Im F<span class=\"_ _2\"></span>alle e<span class=\"_ _2\"></span>ines A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>angs d<span class=\"_ _2\"></span>es finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s vor F\u00e4l<span class=\"_ _2\"></span>ligke<span class=\"_ _2\"></span>it is<span class=\"_ _2\"></span>t der im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erge<span class=\"_ _2\"></span>bnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>te k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag n<span class=\"_ _2\"></span>icht in d<span class=\"_ _2\"></span>ie Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umzub<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>en (ke<span class=\"_ _2\"></span>in Rec<span class=\"_ _2\"></span>ycl<span class=\"_ _2\"></span>ing). Ei<span class=\"_ _2\"></span>ne Um<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>ung in ein<span class=\"_ _2\"></span>en and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alpos<span class=\"_ _2\"></span>ten i<span class=\"_ _2\"></span>st zul<span class=\"_ _2\"></span>\u00e4ssig.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen un<span class=\"_ _2\"></span>d in den s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>ind \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>he H<span class=\"_ _2\"></span>edges e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht d<span class=\"_ _2\"></span>en Anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. B<span class=\"_ _2\"></span>ei die<span class=\"_ _2\"></span>sen we<span class=\"_ _2\"></span>rden K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e mit Ba<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>ten ab<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sicher<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assun<span class=\"_ _9\"></span>g von W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderungen gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>s IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 sieht e<span class=\"_ _2\"></span>ine R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s (E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>pec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed Cre<span class=\"_ _2\"></span>dit Loss \u2013 ECL<span class=\"_ _4\"></span>) vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>em Mo<span class=\"_ _2\"></span>dell zu<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ge sind e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlust<span class=\"_ _2\"></span>e zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wenn zu<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng noch ke<span class=\"_ _2\"></span>ine kon<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ten Hinwei<span class=\"_ _2\"></span>se f\u00fc<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr Schu<span class=\"_ _2\"></span>ldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s bewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie f\u00fcr K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>agen un<span class=\"_ _2\"></span>d finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, ausge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wenn d<span class=\"_ _2\"></span>iese e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll sie<span class=\"_ _2\"></span>ht ein<span class=\"_ _2\"></span>e Glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te in d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n der Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung vor. <span class=\"ff2\"> </span>Die H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng h\u00e4ng<span class=\"_ _3\"></span>t dabe<span class=\"_ _2\"></span>i von der Zu<span class=\"_ _2\"></span>ordnung d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>iner von d<span class=\"_ _2\"></span>rei Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n ab:<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r Regel we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bei Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z all<span class=\"_ _2\"></span>e finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e 1 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t bei eine<span class=\"_ _2\"></span>r Zuweis<span class=\"_ _2\"></span>ung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s in Stuf<span class=\"_ _2\"></span>e 1 dem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s m\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse \u00fcb<span class=\"_ _2\"></span>er die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n <span class=\"ff2\"> </span>1<span class=\"_ _10\"></span>2 Monate.<span class=\"_ _39f\"> </span>Wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte Er<span class=\"_ _2\"></span>h\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kos be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes von St<span class=\"_ _2\"></span>ufe 1 i<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pric<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>i eine<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-2-<span class=\"_ _9\"></span>Zuordnung d<span class=\"_ _2\"></span>em er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t von m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. Zur Det<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ines s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos schr<span class=\"_ _2\"></span>eibt I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 eine<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch des A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag mit d<span class=\"_ _2\"></span>em Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n Ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z vor<span class=\"_ _9\"></span>. Bei Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r des fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes in St<span class=\"_ _2\"></span>ufe 3<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zuo<span class=\"_ _2\"></span>rdnung fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ller Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zu den d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V anhan<span class=\"_ _2\"></span>d der un<span class=\"_ _2\"></span>ten ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ogik a<span class=\"_ _2\"></span>uf Ebe<span class=\"_ _2\"></span>ne de<span class=\"_ _2\"></span>s indi<span class=\"_ _2\"></span>vidu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s. Da<span class=\"_ _2\"></span>bei b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt d<span class=\"_ _2\"></span>er Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>t der in d<span class=\"_ _2\"></span>er T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n rat<span class=\"_ _2\"></span>ing- un<span class=\"_ _2\"></span>d prozessb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren di<span class=\"_ _2\"></span>e zu ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikostufe<span class=\"_ _21c\"> </span><span class=\"lse wse\">Beschreibung<span class=\"_ _13d\"> </span><span class=\"ws1\">H\u00f6h<span class=\"_ _2\"></span>e des Kreditverlusts<span class=\"_ _39f\"> </span></span></span>1 \u2013 geringes Risiko<span class=\"_ _a8\"> </span>Ne<span class=\"_ _2\"></span>ugesch\u00e4ft ode<span class=\"_ _2\"></span>r keine signifikant e<span class=\"_ _2\"></span>rh\u00f6hte Ausfallw<span class=\"_ _2\"></span>ahrscheinlichkeit bzw.<span class=\"_ _9\"></span> <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>keine negativen Risi<span class=\"_ _2\"></span>koinformationen<span class=\"_ _39f\"> </span>12-Monats-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _1e0\"> </span>Kun<span class=\"_ _2\"></span>d*in ist 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age \u00fcberzogen (keine Nachsicht gew\u00e4hr<span class=\"_ _2\"></span>t)<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21e\"> </span>Nachsicht wurde gew\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _2c\"> </span>Si<span class=\"_ _9\"></span>gnifikanter Anstieg <span class=\"_ _2\"></span>der er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>teten Ausf<span class=\"_ _2\"></span>allwahrscheinlichkeit zwischen <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>Erstansatz <span class=\"_ _2\"></span>und aktuellem <span class=\"_ _2\"></span>Stichtag (siehe weiter<span class=\"_ _2\"></span>f\u00fchren<span class=\"_ _2\"></span>de Beschreibungen im <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ext)<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _dd\"> </span>Aktu<span class=\"_ _2\"></span>elles Rating hat <span class=\"_ _2\"></span>sich im Vergleich zum Initialrating um <span class=\"_ _2\"></span>mindestens <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>4 Stufen verschlechter<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _134\"> </span>Kein Neugesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, aber Initialr<span class=\"_ _2\"></span>ating oder akt<span class=\"_ _2\"></span>uelles Rating fe<span class=\"_ _2\"></span>hlt<span class=\"_ _104\"> </span>Gesamtlau<span class=\"_ _2\"></span>fzeit-E<span class=\"_ _9\"></span>CL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _e2\"> </span>Unterst\u00fctzende Betreu<span class=\"_ _2\"></span>ung des/der Kun<span class=\"_ _2\"></span>d*in in Form <span class=\"_ _2\"></span>einer Betr<span class=\"_ _2\"></span>iebsberatung durch Exper<span class=\"_ _2\"></span>t*innen des <span class=\"_ _2\"></span>Sanierungsmanagements<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21f\"> </span>Durch Overlay-Ansatz identifizier<span class=\"_ _2\"></span>te Kun<span class=\"_ _2\"></span>d*innen<span class=\"_ _104\"> </span>Gesamtl<span class=\"_ _2\"></span>aufzeit-ECL<span class=\"_ _39f\"> </span>3 \u2013 Ausf<span class=\"_ _2\"></span>all<span class=\"_ _220\"> </span>Kund*in ist <span class=\"_ _2\"></span>ausgefallen<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ff2 ls2 ws1\"> </span>(Discounted-Cash-Flow-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>Methode / pauschale <span class=\"_ _2\"></span>Ermittlung W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderung)<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>es fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Zur D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>quant<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ative<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ieds <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s zum <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zur Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der Risi<span class=\"_ _2\"></span>koein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung b<span class=\"_ _2\"></span>eim e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>m Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>im ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>aligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang um <span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>sse de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ive U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied <span class=\"_ _2\"></span>zw<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r als 10<span class=\"_ _2\"></span>0 % un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>absol<span class=\"_ _2\"></span>ute D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer <span class=\"_ _2\"></span>als 0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Prozent<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llris<span class=\"_ _2\"></span>ikos ausgeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er hi<span class=\"_ _2\"></span>naus <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ating <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ing beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang u<span class=\"_ _2\"></span>m vie<span class=\"_ _2\"></span>r o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mehr <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>bzw. kei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>srei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zung au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis vo<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ollte<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m zum <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 da<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. Dies <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>f welc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r\u00e4u<span class=\"_ _2\"></span>mte M<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>zieht<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts auch <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des/<span class=\"_ _9\"></span>der <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a die <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>che B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>r\u00e4ng<span class=\"_ _2\"></span>nis <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s/<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>er Kund*in <span class=\"_ _2\"></span>implizier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n/Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>n Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, Ba<span class=\"_ _2\"></span>u, <span class=\"_ _2\"></span>Masc<span class=\"_ _2\"></span>hine<span class=\"_ _2\"></span>nbau<span class=\"_ _2\"></span>, Rea<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4tenwes<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>achg<span class=\"_ _2\"></span>\u00fcter <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Immob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>proje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>n, z<span class=\"_ _2\"></span>um Ein<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z).<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t sin<span class=\"_ _2\"></span>d Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d des <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>orb<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>e/<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>hten <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung von 3<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nu<span class=\"_ _2\"></span>r in s<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>wenige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ter G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Zuordn<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Soll<span class=\"_ _2\"></span>te es <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Verg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>um er<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tmalig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kom<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e Stu<span class=\"_ _2\"></span>fe 2 <span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>die zu<span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Abs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ni<span class=\"_ _2\"></span>cht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r in die St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>lizite <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>\u00e4um<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esu<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r von St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Stuf<span class=\"_ _2\"></span>e 1, die nur <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>rele<span class=\"_ _2\"></span>vant <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i N<span class=\"_ _2\"></span>achsi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nere<span class=\"_ _2\"></span>ll z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von <span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>jedo<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>weisung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn di<span class=\"_ _2\"></span>e ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>han<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r an<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>weit<span class=\"_ _2\"></span>ig ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n und di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _3\"></span>, ob <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>des finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sung<span class=\"_ _2\"></span>slog<span class=\"_ _2\"></span>ik un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on au<span class=\"_ _2\"></span>f Einze<span class=\"_ _2\"></span>lges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ebe<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>babil<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>of D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t \u2013 P<span class=\"_ _2\"></span>D\u201c)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>stqu<span class=\"_ _2\"></span>ote b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss <span class=\"_ _2\"></span>Give<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault \u2013 LGD\u201c) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heite<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure a<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>\u2013 E<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>D\u201c) <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>den er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n mar<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>diskon<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mit <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>inis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00f6he <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all aus d<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mi<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>htde<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>eter<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>albin<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sfl<span class=\"_ _2\"></span>\u00fcsse b<span class=\"_ _2\"></span>is zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus gehe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag no<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>ne Zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>hung i<span class=\"_ _2\"></span>m Fall<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lls er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien m<span class=\"_ _2\"></span>it ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung von <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>konvers<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren in die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te ei<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es LGDs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t gewid<span class=\"_ _2\"></span>mete <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it ihr<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>unbe<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure ein R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _3\"></span>fluss <span class=\"_ _2\"></span>im Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gen<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ll un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>wobei insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>vier <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte \u2013 <span class=\"_ _2\"></span>(i) <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>ii) <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>iii) <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und (<span class=\"_ _2\"></span>iv) Ban<span class=\"_ _2\"></span>ken \u2013 <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>Anwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>uordn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s auf <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ustq<span class=\"_ _2\"></span>uote bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll, <span class=\"_ _2\"></span>da au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Zu<span class=\"_ _2\"></span>ordnung <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>en genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>tquote <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>empi<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spez<span class=\"_ _2\"></span>ifis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>telt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>ting <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>tso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einj\u00e4<span class=\"_ _2\"></span>hrig<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>mpir<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Migr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>atr<span class=\"_ _2\"></span>izen a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vom Rat<span class=\"_ _2\"></span>ing a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ma<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rsk<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>a<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ad<span class=\"_ _2\"></span>jus<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d auf d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n dab<span class=\"_ _2\"></span>ei Vorhe<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>\u00fcber die En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Variab<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ie bspw. de<span class=\"_ _2\"></span>s re<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinla<span class=\"_ _2\"></span>ndspr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Wachs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>der real<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>toa<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, welc<span class=\"_ _2\"></span>he <span class=\"ff2 ls2 ws1\"> </span>in wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>lge z<span class=\"_ _2\"></span>ur Sk<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten (<span class=\"_ _2\"></span>Bayes\u2019<span class=\"_ _9\"></span>scher <span class=\"_ _2\"></span>Sk<span class=\"_ _2\"></span>alar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z) genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en (margi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>mit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>den Thr<span class=\"_ _2\"></span>ough<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cy<span class=\"_ _9\"></span>cle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sind Poi<span class=\"_ _2\"></span>nt-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie <span class=\"ff2 ls2 ws1\"> </span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>. Na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>e lin<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>apo<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hre z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tle<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n ab <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Variab<span class=\"_ _2\"></span>len der <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on bz<span class=\"_ _2\"></span>w. die au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>dar.<span class=\"_ _9\"></span> F\u00fcr all<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, inte<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ivere <span class=\"_ _2\"></span>Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung u<span class=\"_ _2\"></span>nd das a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>e Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>age un<span class=\"_ _2\"></span>d dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>uend <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioe<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne w<span class=\"_ _2\"></span>ider<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>lle fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ein e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eter Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>ein g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>m Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chli<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>dar, wobei f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r den <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2-m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m End<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>de, wenn d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit 6<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>% und <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>beid<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>20 %<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Fes<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>ik zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vom Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llten <span class=\"_ _2\"></span>pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>tizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>em Szena<span class=\"_ _2\"></span>rio er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweilig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng konsi<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>nt si<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io so<span class=\"_ _2\"></span>mit ste<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>res <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>beko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive bz<span class=\"_ _2\"></span>w. neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive A<span class=\"_ _2\"></span>bweichu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ios d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, die a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r zuge<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et a<span class=\"_ _2\"></span>ls Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>vom B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio, <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>von jewe<span class=\"_ _2\"></span>ils 2<span class=\"_ _2\"></span>0 % e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ge<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>avon aus<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>e dre<span class=\"_ _2\"></span>i zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr je<span class=\"_ _2\"></span>des d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ige N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ad\u00e4q<span class=\"_ _2\"></span>uat <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rsp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>ln und <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t die A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>von dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>usre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klim<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>insof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>diese eine<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. auf d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>indiv<span class=\"_ _2\"></span>idue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 u<span class=\"_ _2\"></span>nd St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>326 dar<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>m Ein<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>von ob<span class=\"_ _2\"></span>jek<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Hinwe<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung wi<span class=\"_ _2\"></span>rd de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t al<span class=\"_ _2\"></span>s wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>3 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>m\u00e4\u00df A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t ihr<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>n auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ar<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>l 1<span class=\"_ _4\"></span>78 de<span class=\"_ _2\"></span>r EU<span class=\"_ _2\"></span>-Verordnung <span class=\"_ _2\"></span>57<span class=\"_ _9\"></span>5<span class=\"_ _9\"></span>/2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>3 (Capit<span class=\"_ _2\"></span>al Requir<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion \u2013 <span class=\"_ _2\"></span>CRR) unt<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA G<span class=\"_ _2\"></span>L 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>6/07 zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion s<span class=\"_ _2\"></span>owie <span class=\"ff2 ls2 ws1\"> </span>von \u00a7 2<span class=\"_ _2\"></span>3 CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>BV <span class=\"_ _2\"></span>zur Sc<span class=\"_ _2\"></span>hwellwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>gil<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ls 9<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>unwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich <span class=\"_ _2\"></span>ansie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ne Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>r H\u00f6<span class=\"_ _2\"></span>he </span>beg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>rohe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>), od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s, d<span class=\"_ _2\"></span>em e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _3\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr al<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>30 T<span class=\"_ _9\"></span>age \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig i<span class=\"_ _2\"></span>st o<span class=\"_ _2\"></span>der<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ein Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, de<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htbe<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>BT<span class=\"_ _3\"></span>V na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>mes e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m/<span class=\"_ _9\"></span>eine<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>d*i<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llig is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, r<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>lie\u00dfli<span class=\"_ _2\"></span>ch na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ivil<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>teilu<span class=\"_ _2\"></span>ng s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig vom O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4l<span class=\"_ _2\"></span>le stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>F\u00fcr sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte F<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>\u2013 da<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d jen<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch 1 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t \u2013 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung der <span class=\"_ _2\"></span>Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Flow(<span class=\"_ _2\"></span>DCF<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>, abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>shaf<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Even<span class=\"_ _2\"></span>tual<span class=\"_ _2\"></span>obligo <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"ff2 ls2 ws1\"> </span>flows i<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n Fall <span class=\"_ _2\"></span>zu F<span class=\"_ _2\"></span>all un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ab<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rn f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Logi<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che i<span class=\"_ _2\"></span>m Go<span class=\"_ _2\"></span>ing-<span class=\"_ _3\"></span>Concer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- sow<span class=\"_ _2\"></span>ie im G<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Conce<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>die dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t Ca<span class=\"_ _2\"></span>se\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>tic C<span class=\"_ _2\"></span>ase\u201c sowi<span class=\"_ _2\"></span>e \u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t C<span class=\"_ _2\"></span>ase\u201c unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>und Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>es C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n als<span class=\"_ _2\"></span>o je n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z un<span class=\"_ _2\"></span>d Szenar<span class=\"_ _2\"></span>io un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr nic<span class=\"_ _2\"></span>ht sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4ll<span class=\"_ _2\"></span>e \u2013 d<span class=\"_ _2\"></span>as si<span class=\"_ _2\"></span>nd je<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>blig<span class=\"_ _2\"></span>o au<span class=\"_ _2\"></span>f Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne k<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>als 1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac is<span class=\"_ _2\"></span>t \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>pausc<span class=\"_ _2\"></span>hale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s he<span class=\"_ _2\"></span>i\u00dft<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tuf<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>n pau<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Prozent<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>vom Bl<span class=\"_ _2\"></span>ankovolum<span class=\"_ _2\"></span>en (Obl<span class=\"_ _2\"></span>igo abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>te<span class=\"_ _9\"></span>), welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>an Wer<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. W\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 un<span class=\"_ _2\"></span>d 2 Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>n und W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ennt <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 3 a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sko<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bzug d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorsorge berechne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rb <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung ob<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>inweis<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f Wert<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>(Pur<span class=\"_ _2\"></span>chas<span class=\"_ _2\"></span>ed o<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>igin<span class=\"_ _2\"></span>ated <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Im<span class=\"_ _2\"></span>pair<span class=\"_ _2\"></span>ed \u2013 <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI), i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>stm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes ke<span class=\"_ _2\"></span>ine Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. F\u00fcr d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>ie se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tmal<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z k<span class=\"_ _2\"></span>umu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lier<span class=\"_ _3\"></span>ten \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Wer<span class=\"_ _2\"></span>tmind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r die Ges<span class=\"_ _2\"></span>amtl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>OCI<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V je<span class=\"_ _2\"></span>doc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>evan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n vom Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te abg<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Fre<span class=\"_ _2\"></span>mdk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abzub<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>sel<span class=\"_ _2\"></span>bst <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis ge<span class=\"_ _2\"></span>zeig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f Write<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V D<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ausbu<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd von <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich fixi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>elunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Mass<span class=\"_ _2\"></span>e vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) ode<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wozu beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se H<span class=\"_ _2\"></span>airc<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s z\u00e4hl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie na<span class=\"_ _2\"></span>chgel<span class=\"_ _2\"></span>ager<span class=\"_ _3\"></span>te Au<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t h\u00e4u<span class=\"_ _2\"></span>fig a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Finali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>otenr<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die Sch<span class=\"_ _2\"></span>lie\u00dfung <span class=\"_ _2\"></span>von la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>ige<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>solve<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">auf de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ei Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er p<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s\u00f6nlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on, </span>in Verbind<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, zu<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n,<span class=\"_ _39f\"> </span>zur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>As<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>von nic<span class=\"_ _2\"></span>ht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>flusse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>dar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom Wahlre<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>en Vorgeh<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Nachtr\u00e4gliche \u00c4nder<span class=\"_ _2\"></span>ungen von vertr<span class=\"_ _2\"></span>aglichen Zahlungsstr\u00f6men gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W\u00fcrdig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine M<span class=\"_ _2\"></span>odi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me un<span class=\"_ _2\"></span>d som<span class=\"_ _2\"></span>it zu eine<span class=\"_ _2\"></span>m Ab<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive u<span class=\"_ _2\"></span>nd qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine q<span class=\"_ _2\"></span>ualit<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive W\u00fcrdigung <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten i<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>r dan<span class=\"_ _2\"></span>n aus<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d, we<span class=\"_ _2\"></span>nn mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>ser e<span class=\"_ _2\"></span>ind<span class=\"_ _2\"></span>eutig <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che Modi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>nsbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Schu<span class=\"_ _2\"></span>ldne<span class=\"_ _2\"></span>r- und W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>chse<span class=\"_ _2\"></span>l od<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Einr<span class=\"_ _2\"></span>\u00e4umung eine<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>usel<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>mbed<span class=\"_ _2\"></span>ingu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fcl<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Mod<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>vora<span class=\"_ _2\"></span>b als <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ig wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls eine<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h lieg<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>ine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, wenn <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>odifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Bar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>dif<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>esult<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die minde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 10 % be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Barreser<span class=\"_ _3\"></span>ve Als B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>uth<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lnote<span class=\"_ _2\"></span>nbanke<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span>Handelsak<span class=\"_ _3\"></span>tiva In d<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>wecke<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nsgege<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de (siehe N<span class=\"_ _2\"></span>otes 7<span class=\"_ _2\"></span>) a<span class=\"_ _2\"></span>bgeb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>dien<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>azu, <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Zinss<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b ein<span class=\"_ _2\"></span>es k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- bz<span class=\"_ _2\"></span>w. mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. All<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s sind <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>tiven Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Fond<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Handelser<span class=\"_ _2\"></span>gebnis<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>er Pos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>aus Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>von De<span class=\"_ _2\"></span>vise<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>piere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n und sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e unre<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgewin<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>d -ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tbe<span class=\"_ _2\"></span>wer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung vo<span class=\"_ _2\"></span>n Dev<span class=\"_ _2\"></span>ise<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _2\"></span>aus F<span class=\"_ _2\"></span>inanzgesch\u00e4f<span class=\"_ _2\"></span>ten Unte<span class=\"_ _2\"></span>r die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h re<span class=\"_ _2\"></span>alisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen u<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>igene<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>ission<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-516": {
   "value": "Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>Euro (\u20ac<span class=\"_ _3\"></span>), <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns, <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f hing<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ause<span class=\"_ _2\"></span>nd (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>.) \u20ac dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Rundung<span class=\"_ _2\"></span>sdi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzen m<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-610": {
   "value": "K<span class=\"_ _2\"></span>assage<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>assag<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e von finan<span class=\"_ _2\"></span>zielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n zum Er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ag er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst bz<span class=\"_ _2\"></span>w. ausgeb<span class=\"_ _2\"></span>ucht<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 we<span class=\"_ _2\"></span>rden b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t dem b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls zuz\u00fcg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, angese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung und F<span class=\"_ _2\"></span>olgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung von fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten ge<span class=\"_ _2\"></span>m. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 i<span class=\"_ _2\"></span>st z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Sc<span class=\"_ _2\"></span>huldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>u<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>me<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n, Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n sowie Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten zu unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te k\u00f6nne<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Zuga<span class=\"_ _2\"></span>ng wah<span class=\"_ _2\"></span>lweise a<span class=\"_ _2\"></span>ls er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _3\"></span>-<span class=\"ff2\"> </span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t des<span class=\"_ _2\"></span>ignie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den (<span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion<span class=\"_ _9\"></span>), wenn da<span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n bei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ode<span class=\"_ _2\"></span>r bei<span class=\"_ _2\"></span>m Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z bes<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Wir<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>st die K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ng von Sch<span class=\"_ _2\"></span>uldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s an das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung dies<span class=\"_ _2\"></span>er Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te g<span class=\"_ _2\"></span>ekopp<span class=\"_ _2\"></span>elt<span class=\"_ _3\"></span>, ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Eigen<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r mit de<span class=\"_ _2\"></span>m Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t einh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell i<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>in beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>rer Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wie ei<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te f<span class=\"_ _2\"></span>\u00fcr Zwecke der Verein<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>nahmu<span class=\"_ _2\"></span>ng von Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll wur<span class=\"_ _2\"></span>de vom Man<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent der BT<span class=\"_ _2\"></span>V festge-<span class=\"_ _39f\"> </span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Dabei sin<span class=\"_ _2\"></span>d nicht die Absic<span class=\"_ _2\"></span>hten in Be<span class=\"_ _2\"></span>zug auf eine<span class=\"_ _2\"></span>n einzeln<span class=\"_ _2\"></span>en finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t aussc<span class=\"_ _2\"></span>hlag<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nd, son<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n es ist auf ein<span class=\"_ _2\"></span>e h\u00f6he<span class=\"_ _2\"></span>re Ag<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 die Steuer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 abzust<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e Gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>lle sind f<span class=\"_ _2\"></span>\u00fcr die Klass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von Schuldin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>umenten zu untersc<span class=\"_ _2\"></span>heiden:<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten\u201c<span class=\"_ _9\"></span>: Die Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht da<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>, die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente z<span class=\"_ _2\"></span>u halte<span class=\"_ _2\"></span>n, um b<span class=\"_ _2\"></span>is zur F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>li<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me zu ve<span class=\"_ _2\"></span>reinn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Zuor<span class=\"_ _2\"></span>dnung zum G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n\u201c setz<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e vorha<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>e Absic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, die S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente b<span class=\"_ _2\"></span>is zu de<span class=\"_ _2\"></span>r jeweil<span class=\"_ _2\"></span>igen F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit zu h<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, vor<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>. Eine g<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t zur vor<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>ung und folg<span class=\"_ _2\"></span>lich z<span class=\"_ _2\"></span>ur Realis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von Gew<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n und Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t dazu<span class=\"_ _2\"></span>, dass di<span class=\"_ _2\"></span>e f\u00fcr d<span class=\"_ _2\"></span>ieses G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Ha<span class=\"_ _2\"></span>ltea<span class=\"_ _2\"></span>bsich<span class=\"_ _2\"></span>t nicht b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n dies<span class=\"_ _2\"></span>em Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang h<span class=\"_ _2\"></span>at die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>aillie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen z<span class=\"_ _2\"></span>u den \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c f\u00fcr un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n nur dan<span class=\"_ _2\"></span>n im Eink<span class=\"_ _2\"></span>lang mi<span class=\"_ _2\"></span>t dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten\u201c<span class=\"_ _4\"></span>, wen<span class=\"_ _2\"></span>n diese e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der un<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>l-<span class=\"_ _39f\"> </span>m\u00e4\u00dfig vor<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, se<span class=\"_ _2\"></span>lbs<span class=\"_ _2\"></span>t wenn die<span class=\"_ _2\"></span>se von sig<span class=\"_ _2\"></span>nifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tem Wer<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, ode<span class=\"_ _2\"></span>r wenn di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe re<span class=\"_ _2\"></span>gelm\u00e4<span class=\"_ _2\"></span>\u00dfig auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d von nicht signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>m W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fsg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen\u201c wurden vom Vorst<span class=\"_ _2\"></span>and g<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>hmig<span class=\"_ _3\"></span>t und sind inter<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r \u201e<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Polic<span class=\"_ _2\"></span>y\u201c d<span class=\"_ _2\"></span>okum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c<span class=\"_ _9\"></span>: Die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>ines G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, desse<span class=\"_ _2\"></span>n Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung dar<span class=\"_ _2\"></span>in bes<span class=\"_ _2\"></span>teht<span class=\"_ _3\"></span>, die ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me zu ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n und die S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e zu ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _4\"></span>Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>en\u201c<span class=\"_ _4\"></span>: D<span class=\"_ _2\"></span>ie Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung in die<span class=\"_ _2\"></span>sem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht in de<span class=\"_ _2\"></span>r Max<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>rung von Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>men d<span class=\"_ _2\"></span>urch k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige K<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e und Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>. Die Verein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>bar<span class=\"_ _3\"></span>ter Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>e ist n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ns\u00e4c<span class=\"_ _2\"></span>hlic<span class=\"_ _2\"></span>h.<span class=\"_ _39f\"> </span>Das Ma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t die Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t defi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen a<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>te und K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowie Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>e zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n und Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c werden gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch Wert<span class=\"_ _2\"></span>papi<span class=\"_ _2\"></span>ere zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie haup<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4chl<span class=\"_ _2\"></span>ich als f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>di-<span class=\"_ _39f\"> </span>t\u00e4tsreser<span class=\"_ _3\"></span>ve dienen.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h alle fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die kei<span class=\"_ _2\"></span>nem d<span class=\"_ _2\"></span>er and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n beid<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle zuzu<span class=\"_ _2\"></span>ordne<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere i<span class=\"_ _2\"></span>m UG<span class=\"_ _2\"></span>B/BWG-<span class=\"_ _3\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewidm<span class=\"_ _2\"></span>ete Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e sowie im U<span class=\"_ _2\"></span>GB/BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewid<span class=\"_ _2\"></span>mete I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zu<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>dies <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tung f\u00fcr <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _3\"></span>, dan<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng alle<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>prosp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv <span class=\"_ _2\"></span>ab de<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>\u2013 das <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e T<span class=\"_ _4\"></span>ag <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>\u2013 vor<span class=\"_ _2\"></span>zune<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>s muss <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rekl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am ge<span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>in. <span class=\"_ _2\"></span>Dami<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ung zu<span class=\"_ _2\"></span>l\u00e4ssig <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>d\u00fcr<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lls k<span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>T\u00e4<span class=\"_ _2\"></span>tigk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n me<span class=\"_ _2\"></span>hr au<span class=\"_ _2\"></span>sge\u00fcb<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>aben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>l ist f<span class=\"_ _2\"></span>\u00fcr die K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng nach d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n das Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>trom<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch. Dies<span class=\"_ _2\"></span>es bes<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en zu Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>en zu f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd Zin<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n auf de<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en (So<span class=\"_ _2\"></span>lel<span class=\"_ _2\"></span>y Paym<span class=\"_ _2\"></span>ent o<span class=\"_ _2\"></span>f Pri<span class=\"_ _2\"></span>ncip<span class=\"_ _2\"></span>al and I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>est \u2013 S<span class=\"_ _2\"></span>PP<span class=\"_ _2\"></span>I). Zins<span class=\"_ _2\"></span>en im Sin<span class=\"_ _2\"></span>ne von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 sin<span class=\"_ _2\"></span>d das En<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt f\u00fc<span class=\"_ _2\"></span>r die Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung von Ge<span class=\"_ _2\"></span>ld \u00fcb<span class=\"_ _2\"></span>er ein<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>gung d<span class=\"_ _2\"></span>es Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos u<span class=\"_ _2\"></span>nd and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>ken de<span class=\"_ _2\"></span>r gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, wie b<span class=\"_ _2\"></span>spw. das Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko. Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>lung de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>mal<span class=\"_ _2\"></span>e ist an<span class=\"_ _2\"></span>hand d<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang gel<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr jed<span class=\"_ _2\"></span>es einze<span class=\"_ _2\"></span>lne F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>str<span class=\"_ _2\"></span>ument durchz<span class=\"_ _2\"></span>uf\u00fchr<span class=\"_ _2\"></span>en.<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-9 w<span class=\"_ _2\"></span>urde e<span class=\"_ _2\"></span>ine Che<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>list<span class=\"_ _2\"></span>e auf<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>aut<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis der<span class=\"_ _2\"></span>er die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ums f<span class=\"_ _2\"></span>\u00fcr die Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ten\u201c sowie \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung<span class=\"_ _3\"></span>, ob in Ein<span class=\"_ _2\"></span>zelf<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>rium e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist o<span class=\"_ _2\"></span>der nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>ch Einb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hung all<span class=\"_ _2\"></span>er re<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Fak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren u<span class=\"_ _2\"></span>nd ste<span class=\"_ _2\"></span>llt e<span class=\"_ _2\"></span>ine Er<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Sind die Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ums nich<span class=\"_ _2\"></span>t er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so mus<span class=\"_ _2\"></span>s das G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>sl\u00e4u<span class=\"_ _2\"></span>fig zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ob d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>romk<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, h\u00e4ng<span class=\"_ _3\"></span>t von de<span class=\"_ _2\"></span>r Ar<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d der S<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>anz ab, mi<span class=\"_ _2\"></span>t der di<span class=\"_ _2\"></span>e Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann mi<span class=\"_ _2\"></span>thil<span class=\"_ _2\"></span>fe ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>enc<span class=\"_ _2\"></span>hmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. L\u00e4<span class=\"_ _2\"></span>sst si<span class=\"_ _2\"></span>ch ohn<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r mit nur g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ngem A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>seau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and k<span class=\"_ _2\"></span>l\u00e4re<span class=\"_ _2\"></span>n, o<span class=\"_ _2\"></span>b die ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6me de<span class=\"_ _2\"></span>s finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s sich sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant von den Vergl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>s-Zahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6men e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s nicht s<span class=\"_ _2\"></span>ch\u00e4d<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>kins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ist e<span class=\"_ _2\"></span>ine qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Anal<span class=\"_ _2\"></span>yse ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>. Is<span class=\"_ _2\"></span>t dies ni<span class=\"_ _2\"></span>cht m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h, is<span class=\"_ _2\"></span>t ein q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>nchm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>t durc<span class=\"_ _2\"></span>hzuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn die beid<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sind u<span class=\"_ _2\"></span>nd die Fa<span class=\"_ _2\"></span>ir- V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt wi<span class=\"_ _2\"></span>rd:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Gesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smodell \u201e<span class=\"_ _2\"></span>Halten\u201c<span class=\"_ _9\"></span> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt<span class=\"_ _39f\"> </span></span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, wenn die b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t sind un<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt</span><span class=\"ls2 ws1\"> </span>Mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 w<span class=\"_ _2\"></span>urde b<span class=\"_ _2\"></span>ei Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>en De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>hlosse<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>lich a<span class=\"_ _2\"></span>uf de<span class=\"_ _2\"></span>n hybr<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>n Kont<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t aus S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t und eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>em De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fclle<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>uldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte de<span class=\"_ _2\"></span>n SP<span class=\"_ _2\"></span>PI<span class=\"_ _2\"></span>-T<span class=\"_ _10\"></span>es<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>ht ode<span class=\"_ _2\"></span>r werd<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c zugeor<span class=\"_ _2\"></span>dne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so sind d<span class=\"_ _2\"></span>iese f<span class=\"_ _2\"></span>\u00fcr die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet zu k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t pri<span class=\"_ _2\"></span>nzipie<span class=\"_ _2\"></span>ll dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dah<span class=\"_ _2\"></span>er wer<span class=\"_ _2\"></span>den F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en an K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute un<span class=\"_ _2\"></span>d Kun<span class=\"_ _2\"></span>den mi<span class=\"_ _2\"></span>t fes<span class=\"_ _2\"></span>ten o<span class=\"_ _2\"></span>der bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n, wen<span class=\"_ _2\"></span>n das S<span class=\"_ _2\"></span>PPI<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, mit de<span class=\"_ _2\"></span>n for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Sofe<span class=\"_ _2\"></span>rn Dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, hab<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se die Fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den al<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>kovor<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>sorgen ausgewiesen.<span class=\"_ _39f\"> </span>Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>igenk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und an<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nnte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>mi<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span> Bei I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen in Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die nicht zu H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>elsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht be<span class=\"_ _2\"></span>i der Er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assu<span class=\"_ _2\"></span>ng das unwid<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>e Wahlrecht<span class=\"_ _3\"></span>, alle W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis im Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l auszuwe<span class=\"_ _2\"></span>isen (OCI<span class=\"_ _2\"></span>-Wahlrec<span class=\"_ _2\"></span>ht). Das Wahlrecht k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n f\u00fcr j<span class=\"_ _2\"></span>edes e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ne Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>usge\u00fcb<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. Zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>eidung bz<span class=\"_ _2\"></span>w. Bes<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>ung von Volatili<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ten in de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung wir<span class=\"_ _2\"></span>d diese<span class=\"_ _2\"></span>s Wahlrech<span class=\"_ _2\"></span>t von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend a<span class=\"_ _2\"></span>usge\u00fc<span class=\"_ _2\"></span>bt<span class=\"_ _2\"></span>. Im F<span class=\"_ _2\"></span>alle e<span class=\"_ _2\"></span>ines A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>angs d<span class=\"_ _2\"></span>es finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s vor F\u00e4l<span class=\"_ _2\"></span>ligke<span class=\"_ _2\"></span>it is<span class=\"_ _2\"></span>t der im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erge<span class=\"_ _2\"></span>bnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>te k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag n<span class=\"_ _2\"></span>icht in d<span class=\"_ _2\"></span>ie Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umzub<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>en (ke<span class=\"_ _2\"></span>in Rec<span class=\"_ _2\"></span>ycl<span class=\"_ _2\"></span>ing). Ei<span class=\"_ _2\"></span>ne Um<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>ung in ein<span class=\"_ _2\"></span>en and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alpos<span class=\"_ _2\"></span>ten i<span class=\"_ _2\"></span>st zul<span class=\"_ _2\"></span>\u00e4ssig.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen un<span class=\"_ _2\"></span>d in den s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>ind \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>he H<span class=\"_ _2\"></span>edges e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht d<span class=\"_ _2\"></span>en Anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. B<span class=\"_ _2\"></span>ei die<span class=\"_ _2\"></span>sen we<span class=\"_ _2\"></span>rden K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e mit Ba<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>ten ab<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sicher<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten sin<span class=\"_ _2\"></span>d f\u00fc<span class=\"_ _2\"></span>r die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch als zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet zu kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>iese k\u00f6n<span class=\"_ _2\"></span>nen f<span class=\"_ _2\"></span>\u00fcr die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang wa<span class=\"_ _2\"></span>hlwei<span class=\"_ _2\"></span>se auc<span class=\"_ _2\"></span>h als er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n (Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion), wenn dadurc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung od<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>im Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rn wi<span class=\"_ _2\"></span>rd f\u00fc<span class=\"_ _2\"></span>r gewi<span class=\"_ _2\"></span>sse ver<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>te V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en sowi<span class=\"_ _2\"></span>e Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lanl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e im Ra<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung m<span class=\"_ _2\"></span>it der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion ange<span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assun<span class=\"_ _9\"></span>g von W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderungen gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>s IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 sieht e<span class=\"_ _2\"></span>ine R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s (E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>pec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed Cre<span class=\"_ _2\"></span>dit Loss \u2013 ECL<span class=\"_ _4\"></span>) vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>em Mo<span class=\"_ _2\"></span>dell zu<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ge sind e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlust<span class=\"_ _2\"></span>e zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wenn zu<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng noch ke<span class=\"_ _2\"></span>ine kon<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ten Hinwei<span class=\"_ _2\"></span>se f\u00fc<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr Schu<span class=\"_ _2\"></span>ldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s bewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie f\u00fcr K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>agen un<span class=\"_ _2\"></span>d finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, ausge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wenn d<span class=\"_ _2\"></span>iese e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll sie<span class=\"_ _2\"></span>ht ein<span class=\"_ _2\"></span>e Glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te in d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n der Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung vor. <span class=\"ff2\"> </span>Die H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng h\u00e4ng<span class=\"_ _3\"></span>t dabe<span class=\"_ _2\"></span>i von der Zu<span class=\"_ _2\"></span>ordnung d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>iner von d<span class=\"_ _2\"></span>rei Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n ab:<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r Regel we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bei Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z all<span class=\"_ _2\"></span>e finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e 1 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t bei eine<span class=\"_ _2\"></span>r Zuweis<span class=\"_ _2\"></span>ung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s in Stuf<span class=\"_ _2\"></span>e 1 dem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s m\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse \u00fcb<span class=\"_ _2\"></span>er die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n <span class=\"ff2\"> </span>1<span class=\"_ _10\"></span>2 Monate.<span class=\"_ _39f\"> </span>Wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte Er<span class=\"_ _2\"></span>h\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kos be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes von St<span class=\"_ _2\"></span>ufe 1 i<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pric<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>i eine<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-2-<span class=\"_ _9\"></span>Zuordnung d<span class=\"_ _2\"></span>em er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t von m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. Zur Det<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ines s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos schr<span class=\"_ _2\"></span>eibt I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 eine<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch des A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag mit d<span class=\"_ _2\"></span>em Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n Ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z vor<span class=\"_ _9\"></span>. Bei Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r des fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes in St<span class=\"_ _2\"></span>ufe 3<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zuo<span class=\"_ _2\"></span>rdnung fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ller Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zu den d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V anhan<span class=\"_ _2\"></span>d der un<span class=\"_ _2\"></span>ten ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ogik a<span class=\"_ _2\"></span>uf Ebe<span class=\"_ _2\"></span>ne de<span class=\"_ _2\"></span>s indi<span class=\"_ _2\"></span>vidu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s. Da<span class=\"_ _2\"></span>bei b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt d<span class=\"_ _2\"></span>er Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>t der in d<span class=\"_ _2\"></span>er T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n rat<span class=\"_ _2\"></span>ing- un<span class=\"_ _2\"></span>d prozessb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren di<span class=\"_ _2\"></span>e zu ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikostufe<span class=\"_ _21c\"> </span><span class=\"lse wse\">Beschreibung<span class=\"_ _13d\"> </span><span class=\"ws1\">H\u00f6h<span class=\"_ _2\"></span>e des Kreditverlusts<span class=\"_ _39f\"> </span></span></span>1 \u2013 geringes Risiko<span class=\"_ _a8\"> </span>Ne<span class=\"_ _2\"></span>ugesch\u00e4ft ode<span class=\"_ _2\"></span>r keine signifikant e<span class=\"_ _2\"></span>rh\u00f6hte Ausfallw<span class=\"_ _2\"></span>ahrscheinlichkeit bzw.<span class=\"_ _9\"></span> <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>keine negativen Risi<span class=\"_ _2\"></span>koinformationen<span class=\"_ _39f\"> </span>12-Monats-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _1e0\"> </span>Kun<span class=\"_ _2\"></span>d*in ist 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age \u00fcberzogen (keine Nachsicht gew\u00e4hr<span class=\"_ _2\"></span>t)<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21e\"> </span>Nachsicht wurde gew\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _2c\"> </span>Si<span class=\"_ _9\"></span>gnifikanter Anstieg <span class=\"_ _2\"></span>der er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>teten Ausf<span class=\"_ _2\"></span>allwahrscheinlichkeit zwischen <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>Erstansatz <span class=\"_ _2\"></span>und aktuellem <span class=\"_ _2\"></span>Stichtag (siehe weiter<span class=\"_ _2\"></span>f\u00fchren<span class=\"_ _2\"></span>de Beschreibungen im <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ext)<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _dd\"> </span>Aktu<span class=\"_ _2\"></span>elles Rating hat <span class=\"_ _2\"></span>sich im Vergleich zum Initialrating um <span class=\"_ _2\"></span>mindestens <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>4 Stufen verschlechter<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _134\"> </span>Kein Neugesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, aber Initialr<span class=\"_ _2\"></span>ating oder akt<span class=\"_ _2\"></span>uelles Rating fe<span class=\"_ _2\"></span>hlt<span class=\"_ _104\"> </span>Gesamtlau<span class=\"_ _2\"></span>fzeit-E<span class=\"_ _9\"></span>CL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _e2\"> </span>Unterst\u00fctzende Betreu<span class=\"_ _2\"></span>ung des/der Kun<span class=\"_ _2\"></span>d*in in Form <span class=\"_ _2\"></span>einer Betr<span class=\"_ _2\"></span>iebsberatung durch Exper<span class=\"_ _2\"></span>t*innen des <span class=\"_ _2\"></span>Sanierungsmanagements<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21f\"> </span>Durch Overlay-Ansatz identifizier<span class=\"_ _2\"></span>te Kun<span class=\"_ _2\"></span>d*innen<span class=\"_ _104\"> </span>Gesamtl<span class=\"_ _2\"></span>aufzeit-ECL<span class=\"_ _39f\"> </span>3 \u2013 Ausf<span class=\"_ _2\"></span>all<span class=\"_ _220\"> </span>Kund*in ist <span class=\"_ _2\"></span>ausgefallen<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ff2 ls2 ws1\"> </span>(Discounted-Cash-Flow-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>Methode / pauschale <span class=\"_ _2\"></span>Ermittlung W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderung)<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>es fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Zur D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>quant<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ative<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ieds <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s zum <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zur Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der Risi<span class=\"_ _2\"></span>koein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung b<span class=\"_ _2\"></span>eim e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>m Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>im ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>aligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang um <span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>sse de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ive U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied <span class=\"_ _2\"></span>zw<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r als 10<span class=\"_ _2\"></span>0 % un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>absol<span class=\"_ _2\"></span>ute D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer <span class=\"_ _2\"></span>als 0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Prozent<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llris<span class=\"_ _2\"></span>ikos ausgeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er hi<span class=\"_ _2\"></span>naus <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ating <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ing beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang u<span class=\"_ _2\"></span>m vie<span class=\"_ _2\"></span>r o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mehr <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>bzw. kei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>srei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zung au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis vo<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ollte<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m zum <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 da<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. Dies <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>f welc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r\u00e4u<span class=\"_ _2\"></span>mte M<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>zieht<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts auch <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des/<span class=\"_ _9\"></span>der <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a die <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>che B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>r\u00e4ng<span class=\"_ _2\"></span>nis <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s/<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>er Kund*in <span class=\"_ _2\"></span>implizier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n/Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>n Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, Ba<span class=\"_ _2\"></span>u, <span class=\"_ _2\"></span>Masc<span class=\"_ _2\"></span>hine<span class=\"_ _2\"></span>nbau<span class=\"_ _2\"></span>, Rea<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4tenwes<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>achg<span class=\"_ _2\"></span>\u00fcter <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Immob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>proje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>n, z<span class=\"_ _2\"></span>um Ein<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z).<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t sin<span class=\"_ _2\"></span>d Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d des <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>orb<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>e/<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>hten <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung von 3<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nu<span class=\"_ _2\"></span>r in s<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>wenige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ter G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Zuordn<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Soll<span class=\"_ _2\"></span>te es <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Verg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>um er<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tmalig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kom<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e Stu<span class=\"_ _2\"></span>fe 2 <span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>die zu<span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Abs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ni<span class=\"_ _2\"></span>cht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r in die St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>lizite <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>\u00e4um<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esu<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r von St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Stuf<span class=\"_ _2\"></span>e 1, die nur <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>rele<span class=\"_ _2\"></span>vant <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i N<span class=\"_ _2\"></span>achsi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nere<span class=\"_ _2\"></span>ll z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von <span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>jedo<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>weisung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn di<span class=\"_ _2\"></span>e ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>han<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r an<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>weit<span class=\"_ _2\"></span>ig ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n und di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _3\"></span>, ob <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>des finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sung<span class=\"_ _2\"></span>slog<span class=\"_ _2\"></span>ik un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on au<span class=\"_ _2\"></span>f Einze<span class=\"_ _2\"></span>lges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ebe<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>babil<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>of D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t \u2013 P<span class=\"_ _2\"></span>D\u201c)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>stqu<span class=\"_ _2\"></span>ote b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss <span class=\"_ _2\"></span>Give<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault \u2013 LGD\u201c) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heite<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure a<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>\u2013 E<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>D\u201c) <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>den er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n mar<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>diskon<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mit <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>inis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00f6he <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all aus d<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mi<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>htde<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>eter<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>albin<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sfl<span class=\"_ _2\"></span>\u00fcsse b<span class=\"_ _2\"></span>is zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus gehe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag no<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>ne Zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>hung i<span class=\"_ _2\"></span>m Fall<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lls er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien m<span class=\"_ _2\"></span>it ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung von <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>konvers<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren in die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te ei<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es LGDs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t gewid<span class=\"_ _2\"></span>mete <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it ihr<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>unbe<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure ein R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _3\"></span>fluss <span class=\"_ _2\"></span>im Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gen<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ll un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>wobei insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>vier <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte \u2013 <span class=\"_ _2\"></span>(i) <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>ii) <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>iii) <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und (<span class=\"_ _2\"></span>iv) Ban<span class=\"_ _2\"></span>ken \u2013 <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>Anwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>uordn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s auf <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ustq<span class=\"_ _2\"></span>uote bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll, <span class=\"_ _2\"></span>da au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Zu<span class=\"_ _2\"></span>ordnung <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>en genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>tquote <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>empi<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spez<span class=\"_ _2\"></span>ifis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>telt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>ting <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>tso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einj\u00e4<span class=\"_ _2\"></span>hrig<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>mpir<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Migr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>atr<span class=\"_ _2\"></span>izen a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vom Rat<span class=\"_ _2\"></span>ing a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ma<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rsk<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>a<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ad<span class=\"_ _2\"></span>jus<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d auf d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n dab<span class=\"_ _2\"></span>ei Vorhe<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>\u00fcber die En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Variab<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ie bspw. de<span class=\"_ _2\"></span>s re<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinla<span class=\"_ _2\"></span>ndspr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Wachs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>der real<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>toa<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, welc<span class=\"_ _2\"></span>he <span class=\"ff2 ls2 ws1\"> </span>in wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>lge z<span class=\"_ _2\"></span>ur Sk<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten (<span class=\"_ _2\"></span>Bayes\u2019<span class=\"_ _9\"></span>scher <span class=\"_ _2\"></span>Sk<span class=\"_ _2\"></span>alar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z) genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en (margi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>mit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>den Thr<span class=\"_ _2\"></span>ough<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cy<span class=\"_ _9\"></span>cle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sind Poi<span class=\"_ _2\"></span>nt-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie <span class=\"ff2 ls2 ws1\"> </span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>. Na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>e lin<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>apo<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hre z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tle<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n ab <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Variab<span class=\"_ _2\"></span>len der <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on bz<span class=\"_ _2\"></span>w. die au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>dar.<span class=\"_ _9\"></span> F\u00fcr all<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, inte<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ivere <span class=\"_ _2\"></span>Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung u<span class=\"_ _2\"></span>nd das a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>e Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>age un<span class=\"_ _2\"></span>d dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>uend <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioe<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne w<span class=\"_ _2\"></span>ider<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>lle fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ein e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eter Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>ein g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>m Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chli<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>dar, wobei f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r den <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2-m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m End<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>de, wenn d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit 6<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>% und <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>beid<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>20 %<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Fes<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>ik zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vom Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llten <span class=\"_ _2\"></span>pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>tizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>em Szena<span class=\"_ _2\"></span>rio er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweilig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng konsi<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>nt si<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io so<span class=\"_ _2\"></span>mit ste<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>res <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>beko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive bz<span class=\"_ _2\"></span>w. neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive A<span class=\"_ _2\"></span>bweichu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ios d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, die a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r zuge<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et a<span class=\"_ _2\"></span>ls Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>vom B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio, <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>von jewe<span class=\"_ _2\"></span>ils 2<span class=\"_ _2\"></span>0 % e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ge<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>avon aus<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>e dre<span class=\"_ _2\"></span>i zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr je<span class=\"_ _2\"></span>des d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ige N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ad\u00e4q<span class=\"_ _2\"></span>uat <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rsp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>ln und <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t die A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>von dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>usre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klim<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>insof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>diese eine<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. auf d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>indiv<span class=\"_ _2\"></span>idue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 u<span class=\"_ _2\"></span>nd St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>326 dar<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>m Ein<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>von ob<span class=\"_ _2\"></span>jek<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Hinwe<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung wi<span class=\"_ _2\"></span>rd de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t al<span class=\"_ _2\"></span>s wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>3 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>m\u00e4\u00df A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t ihr<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>n auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ar<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>l 1<span class=\"_ _4\"></span>78 de<span class=\"_ _2\"></span>r EU<span class=\"_ _2\"></span>-Verordnung <span class=\"_ _2\"></span>57<span class=\"_ _9\"></span>5<span class=\"_ _9\"></span>/2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>3 (Capit<span class=\"_ _2\"></span>al Requir<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion \u2013 <span class=\"_ _2\"></span>CRR) unt<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA G<span class=\"_ _2\"></span>L 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>6/07 zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion s<span class=\"_ _2\"></span>owie <span class=\"ff2 ls2 ws1\"> </span>von \u00a7 2<span class=\"_ _2\"></span>3 CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>BV <span class=\"_ _2\"></span>zur Sc<span class=\"_ _2\"></span>hwellwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>gil<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ls 9<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>unwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich <span class=\"_ _2\"></span>ansie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ne Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>r H\u00f6<span class=\"_ _2\"></span>he </span>beg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>rohe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>), od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s, d<span class=\"_ _2\"></span>em e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _3\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr al<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>30 T<span class=\"_ _9\"></span>age \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig i<span class=\"_ _2\"></span>st o<span class=\"_ _2\"></span>der<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ein Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, de<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htbe<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>BT<span class=\"_ _3\"></span>V na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>mes e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m/<span class=\"_ _9\"></span>eine<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>d*i<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llig is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, r<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>lie\u00dfli<span class=\"_ _2\"></span>ch na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ivil<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>teilu<span class=\"_ _2\"></span>ng s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig vom O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4l<span class=\"_ _2\"></span>le stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>F\u00fcr sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte F<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>\u2013 da<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d jen<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch 1 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t \u2013 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung der <span class=\"_ _2\"></span>Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Flow(<span class=\"_ _2\"></span>DCF<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>, abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>shaf<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Even<span class=\"_ _2\"></span>tual<span class=\"_ _2\"></span>obligo <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"ff2 ls2 ws1\"> </span>flows i<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n Fall <span class=\"_ _2\"></span>zu F<span class=\"_ _2\"></span>all un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ab<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rn f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Logi<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che i<span class=\"_ _2\"></span>m Go<span class=\"_ _2\"></span>ing-<span class=\"_ _3\"></span>Concer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- sow<span class=\"_ _2\"></span>ie im G<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Conce<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>die dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t Ca<span class=\"_ _2\"></span>se\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>tic C<span class=\"_ _2\"></span>ase\u201c sowi<span class=\"_ _2\"></span>e \u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t C<span class=\"_ _2\"></span>ase\u201c unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>und Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>es C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n als<span class=\"_ _2\"></span>o je n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z un<span class=\"_ _2\"></span>d Szenar<span class=\"_ _2\"></span>io un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr nic<span class=\"_ _2\"></span>ht sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4ll<span class=\"_ _2\"></span>e \u2013 d<span class=\"_ _2\"></span>as si<span class=\"_ _2\"></span>nd je<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>blig<span class=\"_ _2\"></span>o au<span class=\"_ _2\"></span>f Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne k<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>als 1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac is<span class=\"_ _2\"></span>t \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>pausc<span class=\"_ _2\"></span>hale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s he<span class=\"_ _2\"></span>i\u00dft<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tuf<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>n pau<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Prozent<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>vom Bl<span class=\"_ _2\"></span>ankovolum<span class=\"_ _2\"></span>en (Obl<span class=\"_ _2\"></span>igo abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>te<span class=\"_ _9\"></span>), welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>an Wer<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. W\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 un<span class=\"_ _2\"></span>d 2 Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>n und W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ennt <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 3 a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sko<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bzug d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorsorge berechne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rb <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung ob<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>inweis<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f Wert<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>(Pur<span class=\"_ _2\"></span>chas<span class=\"_ _2\"></span>ed o<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>igin<span class=\"_ _2\"></span>ated <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Im<span class=\"_ _2\"></span>pair<span class=\"_ _2\"></span>ed \u2013 <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI), i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>stm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes ke<span class=\"_ _2\"></span>ine Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. F\u00fcr d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>ie se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tmal<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z k<span class=\"_ _2\"></span>umu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lier<span class=\"_ _3\"></span>ten \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Wer<span class=\"_ _2\"></span>tmind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r die Ges<span class=\"_ _2\"></span>amtl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>OCI<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V je<span class=\"_ _2\"></span>doc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>evan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n vom Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te abg<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Fre<span class=\"_ _2\"></span>mdk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abzub<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>sel<span class=\"_ _2\"></span>bst <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis ge<span class=\"_ _2\"></span>zeig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f Write<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V D<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ausbu<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd von <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich fixi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>elunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Mass<span class=\"_ _2\"></span>e vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) ode<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wozu beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se H<span class=\"_ _2\"></span>airc<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s z\u00e4hl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie na<span class=\"_ _2\"></span>chgel<span class=\"_ _2\"></span>ager<span class=\"_ _3\"></span>te Au<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t h\u00e4u<span class=\"_ _2\"></span>fig a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Finali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>otenr<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die Sch<span class=\"_ _2\"></span>lie\u00dfung <span class=\"_ _2\"></span>von la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>ige<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>solve<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">auf de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ei Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er p<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s\u00f6nlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on, </span>in Verbind<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, zu<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n,<span class=\"_ _39f\"> </span>zur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>As<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>von nic<span class=\"_ _2\"></span>ht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>flusse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>dar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom Wahlre<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>en Vorgeh<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch<span class=\"_ _39f\"> </span>Nachtr\u00e4gliche \u00c4nder<span class=\"_ _2\"></span>ungen von vertr<span class=\"_ _2\"></span>aglichen Zahlungsstr\u00f6men gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W\u00fcrdig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine M<span class=\"_ _2\"></span>odi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me un<span class=\"_ _2\"></span>d som<span class=\"_ _2\"></span>it zu eine<span class=\"_ _2\"></span>m Ab<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive u<span class=\"_ _2\"></span>nd qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine q<span class=\"_ _2\"></span>ualit<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive W\u00fcrdigung <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten i<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>r dan<span class=\"_ _2\"></span>n aus<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d, we<span class=\"_ _2\"></span>nn mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>ser e<span class=\"_ _2\"></span>ind<span class=\"_ _2\"></span>eutig <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che Modi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>nsbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Schu<span class=\"_ _2\"></span>ldne<span class=\"_ _2\"></span>r- und W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>chse<span class=\"_ _2\"></span>l od<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Einr<span class=\"_ _2\"></span>\u00e4umung eine<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>usel<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>mbed<span class=\"_ _2\"></span>ingu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fcl<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Mod<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>vora<span class=\"_ _2\"></span>b als <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ig wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls eine<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h lieg<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>ine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, wenn <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>odifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Bar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>dif<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>esult<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die minde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 10 % be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Barreser<span class=\"_ _3\"></span>ve Als B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>uth<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lnote<span class=\"_ _2\"></span>nbanke<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen Den be<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Risike<span class=\"_ _2\"></span>n des Bank<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tes tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t die BT<span class=\"_ _3\"></span>V durch die Bi<span class=\"_ _2\"></span>ldung von W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tigu<span class=\"_ _2\"></span>ngen und R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen im ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che<span class=\"_ _2\"></span>nden Aus<span class=\"_ _2\"></span>ma\u00df Rechn<span class=\"_ _2\"></span>ung. F\u00fcr Bonit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wird auf Ba<span class=\"_ _2\"></span>sis konzer<span class=\"_ _2\"></span>nein<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>a\u00dfs<span class=\"_ _2\"></span>t\u00e4b<span class=\"_ _2\"></span>e und unter Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung et<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>aiger B<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen vor<span class=\"_ _2\"></span>geso<span class=\"_ _2\"></span>rg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Handelsak<span class=\"_ _3\"></span>tiva In d<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>wecke<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nsgege<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de (siehe N<span class=\"_ _2\"></span>otes 7<span class=\"_ _2\"></span>) a<span class=\"_ _2\"></span>bgeb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>dien<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>azu, <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Zinss<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b ein<span class=\"_ _2\"></span>es k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- bz<span class=\"_ _2\"></span>w. mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. All<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s sind <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>tiven Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Fond<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen <span class=\"_ _2\"></span>im K<span class=\"_ _2\"></span>reditgesch\u00e4f<span class=\"_ _3\"></span>t Der <span class=\"_ _2\"></span>Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovors<span class=\"_ _2\"></span>orge\u201c be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>Zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zu Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Aufl\u00f6<span class=\"_ _2\"></span>sung von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tigu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie D<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eibu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Eing<span class=\"_ _2\"></span>\u00e4ng<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts ausgeb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Handelser<span class=\"_ _2\"></span>gebnis<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>er Pos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>aus Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>von De<span class=\"_ _2\"></span>vise<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>piere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n und sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e unre<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgewin<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>d -ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tbe<span class=\"_ _2\"></span>wer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung vo<span class=\"_ _2\"></span>n Dev<span class=\"_ _2\"></span>ise<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Valuten<span class=\"_ _2\"></span>, Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _2\"></span>aus F<span class=\"_ _2\"></span>inanzgesch\u00e4f<span class=\"_ _2\"></span>ten Unte<span class=\"_ _2\"></span>r die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h re<span class=\"_ _2\"></span>alisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen u<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>igene<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>ission<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-517": {
   "value": "Struk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span> Einhe<span class=\"_ _2\"></span>iten Stru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sind U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>, die s<span class=\"_ _2\"></span>o konzipie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ass Stimm<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte ode<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are Rec<span class=\"_ _2\"></span>hte nic<span class=\"_ _2\"></span>ht der domini<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>chung si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ies is<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise de<span class=\"_ _2\"></span>r Fall<span class=\"_ _2\"></span>, wenn St<span class=\"_ _2\"></span>immre<span class=\"_ _2\"></span>chte s<span class=\"_ _2\"></span>ich nur a<span class=\"_ _2\"></span>uf admini<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ive Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ziehe<span class=\"_ _2\"></span>n und die Re<span class=\"_ _2\"></span>chte z<span class=\"_ _2\"></span>ur Lenk<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r ma\u00dfge<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V werd<span class=\"_ _2\"></span>en ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Pro<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten m<span class=\"_ _2\"></span>it eing<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>r\u00e4n<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>m T\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>ber<span class=\"_ _2\"></span>eich s<span class=\"_ _2\"></span>owie Pu<span class=\"_ _2\"></span>blik<span class=\"_ _2\"></span>ums<span class=\"_ _2\"></span>fon<span class=\"_ _2\"></span>ds, F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r und Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten al<span class=\"_ _2\"></span>s str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Einhe<span class=\"_ _2\"></span>iten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, sofe<span class=\"_ _2\"></span>rn di<span class=\"_ _2\"></span>e Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndung zu d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>iten ke<span class=\"_ _2\"></span>ine ge<span class=\"_ _2\"></span>w\u00f6hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. In de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>den ke<span class=\"_ _2\"></span>ine wese<span class=\"_ _2\"></span>ntl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen bz<span class=\"_ _2\"></span>w. nicht ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en zu s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V wir<span class=\"_ _2\"></span>d als Spon<span class=\"_ _2\"></span>sor ein<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Einhe<span class=\"_ _2\"></span>it ange<span class=\"_ _2\"></span>sehe<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>nn Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>teiln<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r die Ein<span class=\"_ _2\"></span>heit m<span class=\"_ _2\"></span>it dem K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>, insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere d<span class=\"_ _2\"></span>urch Ver<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>dung des N<span class=\"_ _2\"></span>am<span class=\"_ _2\"></span>ens B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V i<span class=\"_ _2\"></span>n der F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ma ode<span class=\"_ _2\"></span>r auf G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>ren b<span class=\"_ _2\"></span>ei G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V als M<span class=\"_ _2\"></span>akl<span class=\"_ _2\"></span>er f<span class=\"_ _2\"></span>ungi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>n\u00fcp<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>fen<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V unte<span class=\"_ _2\"></span>rhie<span class=\"_ _2\"></span>lt im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum kei<span class=\"_ _2\"></span>ne Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bindung<span class=\"_ _2\"></span>en und i<span class=\"_ _2\"></span>st in d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>m Sinne n<span class=\"_ _2\"></span>icht al<span class=\"_ _2\"></span>s Spons<span class=\"_ _2\"></span>or auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-616": {
   "value": "Finanzinstrumente gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 we<span class=\"_ _2\"></span>rden b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t dem b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls zuz\u00fcg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, angese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung und F<span class=\"_ _2\"></span>olgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung von fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten ge<span class=\"_ _2\"></span>m. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 i<span class=\"_ _2\"></span>st z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Sc<span class=\"_ _2\"></span>huldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>u<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>me<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n, Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n sowie Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>aten zu unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te k\u00f6nne<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Zuga<span class=\"_ _2\"></span>ng wah<span class=\"_ _2\"></span>lweise a<span class=\"_ _2\"></span>ls er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _3\"></span>-<span class=\"ff2\"> </span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t des<span class=\"_ _2\"></span>ignie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den (<span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion<span class=\"_ _9\"></span>), wenn da<span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n bei de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ode<span class=\"_ _2\"></span>r bei<span class=\"_ _2\"></span>m Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z bes<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Wir<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>st die K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ng von Sch<span class=\"_ _2\"></span>uldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s an das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung dies<span class=\"_ _2\"></span>er Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te g<span class=\"_ _2\"></span>ekopp<span class=\"_ _2\"></span>elt<span class=\"_ _3\"></span>, ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die Eigen<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r mit de<span class=\"_ _2\"></span>m Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t einh<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell i<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>in beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>rer Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wie ei<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te f<span class=\"_ _2\"></span>\u00fcr Zwecke der Verein<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>nahmu<span class=\"_ _2\"></span>ng von Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll wur<span class=\"_ _2\"></span>de vom Man<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent der BT<span class=\"_ _2\"></span>V festge-<span class=\"_ _39f\"> </span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Dabei sin<span class=\"_ _2\"></span>d nicht die Absic<span class=\"_ _2\"></span>hten in Be<span class=\"_ _2\"></span>zug auf eine<span class=\"_ _2\"></span>n einzeln<span class=\"_ _2\"></span>en finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t aussc<span class=\"_ _2\"></span>hlag<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nd, son<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n es ist auf ein<span class=\"_ _2\"></span>e h\u00f6he<span class=\"_ _2\"></span>re Ag<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 die Steuer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>seb<span class=\"_ _2\"></span>ene \u2013 abzust<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e Gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>lle sind f<span class=\"_ _2\"></span>\u00fcr die Klass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von Schuldin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>umenten zu untersc<span class=\"_ _2\"></span>heiden:<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten\u201c<span class=\"_ _9\"></span>: Die Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht da<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>, die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente z<span class=\"_ _2\"></span>u halte<span class=\"_ _2\"></span>n, um b<span class=\"_ _2\"></span>is zur F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>li<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00f6me zu ve<span class=\"_ _2\"></span>reinn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Zuor<span class=\"_ _2\"></span>dnung zum G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n\u201c setz<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e vorha<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>e Absic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, die S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente b<span class=\"_ _2\"></span>is zu de<span class=\"_ _2\"></span>r jeweil<span class=\"_ _2\"></span>igen F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit zu h<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, vor<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>. Eine g<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t zur vor<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>ung und folg<span class=\"_ _2\"></span>lich z<span class=\"_ _2\"></span>ur Realis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von Gew<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n und Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t dazu<span class=\"_ _2\"></span>, dass di<span class=\"_ _2\"></span>e f\u00fcr d<span class=\"_ _2\"></span>ieses G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>he Ha<span class=\"_ _2\"></span>ltea<span class=\"_ _2\"></span>bsich<span class=\"_ _2\"></span>t nicht b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n dies<span class=\"_ _2\"></span>em Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang h<span class=\"_ _2\"></span>at die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>aillie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen z<span class=\"_ _2\"></span>u den \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c f\u00fcr un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>n nur dan<span class=\"_ _2\"></span>n im Eink<span class=\"_ _2\"></span>lang mi<span class=\"_ _2\"></span>t dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten\u201c<span class=\"_ _4\"></span>, wen<span class=\"_ _2\"></span>n diese e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der un<span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>l-<span class=\"_ _39f\"> </span>m\u00e4\u00dfig vor<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, se<span class=\"_ _2\"></span>lbs<span class=\"_ _2\"></span>t wenn die<span class=\"_ _2\"></span>se von sig<span class=\"_ _2\"></span>nifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tem Wer<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, ode<span class=\"_ _2\"></span>r wenn di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe re<span class=\"_ _2\"></span>gelm\u00e4<span class=\"_ _2\"></span>\u00dfig auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d von nicht signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>m W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>nd. D<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fsg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen\u201c wurden vom Vorst<span class=\"_ _2\"></span>and g<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>hmig<span class=\"_ _3\"></span>t und sind inter<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r \u201e<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 Polic<span class=\"_ _2\"></span>y\u201c d<span class=\"_ _2\"></span>okum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>ten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c<span class=\"_ _9\"></span>: Die Sc<span class=\"_ _2\"></span>huldi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>ines G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, desse<span class=\"_ _2\"></span>n Zie<span class=\"_ _2\"></span>lse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung dar<span class=\"_ _2\"></span>in bes<span class=\"_ _2\"></span>teht<span class=\"_ _3\"></span>, die ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>me zu ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n und die S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e zu ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u201e<span class=\"_ _4\"></span>Verk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>en\u201c<span class=\"_ _4\"></span>: D<span class=\"_ _2\"></span>ie Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung in die<span class=\"_ _2\"></span>sem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht in de<span class=\"_ _2\"></span>r Max<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>rung von Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>tr\u00f6<span class=\"_ _2\"></span>men d<span class=\"_ _2\"></span>urch k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige K<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e und Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>. Die Verein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>bar<span class=\"_ _3\"></span>ter Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6m<span class=\"_ _2\"></span>e ist n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ns\u00e4c<span class=\"_ _2\"></span>hlic<span class=\"_ _2\"></span>h.<span class=\"_ _39f\"> </span>Das Ma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t die Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t defi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen a<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>te und K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowie Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>e zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n und Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c werden gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch Wert<span class=\"_ _2\"></span>papi<span class=\"_ _2\"></span>ere zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie haup<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4chl<span class=\"_ _2\"></span>ich als f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>di-<span class=\"_ _39f\"> </span>t\u00e4tsreser<span class=\"_ _3\"></span>ve dienen.<span class=\"_ _39f\"> </span>Dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c werde<span class=\"_ _2\"></span>n gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h alle fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die kei<span class=\"_ _2\"></span>nem d<span class=\"_ _2\"></span>er and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n beid<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle zuzu<span class=\"_ _2\"></span>ordne<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>dere i<span class=\"_ _2\"></span>m UG<span class=\"_ _2\"></span>B/BWG-<span class=\"_ _3\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewidm<span class=\"_ _2\"></span>ete Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e sowie im U<span class=\"_ _2\"></span>GB/BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch g<span class=\"_ _2\"></span>ewid<span class=\"_ _2\"></span>mete I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zu<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>dies <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tung f\u00fcr <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _3\"></span>, dan<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng alle<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>prosp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv <span class=\"_ _2\"></span>ab de<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>\u2013 das <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e T<span class=\"_ _4\"></span>ag <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>\u2013 vor<span class=\"_ _2\"></span>zune<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>s muss <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Rekl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am ge<span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>in. <span class=\"_ _2\"></span>Dami<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>ne Rek<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ung zu<span class=\"_ _2\"></span>l\u00e4ssig <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>d\u00fcr<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lls k<span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>T\u00e4<span class=\"_ _2\"></span>tigk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n me<span class=\"_ _2\"></span>hr au<span class=\"_ _2\"></span>sge\u00fcb<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>aben<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smo<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>l ist f<span class=\"_ _2\"></span>\u00fcr die K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng nach d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n das Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>trom<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch. Dies<span class=\"_ _2\"></span>es bes<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en zu Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>en zu f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd Zin<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n auf de<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en (So<span class=\"_ _2\"></span>lel<span class=\"_ _2\"></span>y Paym<span class=\"_ _2\"></span>ent o<span class=\"_ _2\"></span>f Pri<span class=\"_ _2\"></span>ncip<span class=\"_ _2\"></span>al and I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>est \u2013 S<span class=\"_ _2\"></span>PP<span class=\"_ _2\"></span>I). Zins<span class=\"_ _2\"></span>en im Sin<span class=\"_ _2\"></span>ne von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 sin<span class=\"_ _2\"></span>d das En<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lt f\u00fc<span class=\"_ _2\"></span>r die Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung von Ge<span class=\"_ _2\"></span>ld \u00fcb<span class=\"_ _2\"></span>er ein<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>gung d<span class=\"_ _2\"></span>es Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos u<span class=\"_ _2\"></span>nd and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>ken de<span class=\"_ _2\"></span>r gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, wie b<span class=\"_ _2\"></span>spw. das Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko. Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>lung de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>mal<span class=\"_ _2\"></span>e ist an<span class=\"_ _2\"></span>hand d<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang gel<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr jed<span class=\"_ _2\"></span>es einze<span class=\"_ _2\"></span>lne F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>str<span class=\"_ _2\"></span>ument durchz<span class=\"_ _2\"></span>uf\u00fchr<span class=\"_ _2\"></span>en.<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-9 w<span class=\"_ _2\"></span>urde e<span class=\"_ _2\"></span>ine Che<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>list<span class=\"_ _2\"></span>e auf<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>aut<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis der<span class=\"_ _2\"></span>er die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ums f<span class=\"_ _2\"></span>\u00fcr die Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ten\u201c sowie \u201e<span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>lten un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung<span class=\"_ _3\"></span>, ob in Ein<span class=\"_ _2\"></span>zelf<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>rium e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist o<span class=\"_ _2\"></span>der nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>ch Einb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hung all<span class=\"_ _2\"></span>er re<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Fak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren u<span class=\"_ _2\"></span>nd ste<span class=\"_ _2\"></span>llt e<span class=\"_ _2\"></span>ine Er<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Sind die Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>omk<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ums nich<span class=\"_ _2\"></span>t er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so mus<span class=\"_ _2\"></span>s das G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>sl\u00e4u<span class=\"_ _2\"></span>fig zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ob d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>romk<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, h\u00e4ng<span class=\"_ _3\"></span>t von de<span class=\"_ _2\"></span>r Ar<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d der S<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>anz ab, mi<span class=\"_ _2\"></span>t der di<span class=\"_ _2\"></span>e Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann mi<span class=\"_ _2\"></span>thil<span class=\"_ _2\"></span>fe ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>enc<span class=\"_ _2\"></span>hmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. L\u00e4<span class=\"_ _2\"></span>sst si<span class=\"_ _2\"></span>ch ohn<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r mit nur g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ngem A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>seau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and k<span class=\"_ _2\"></span>l\u00e4re<span class=\"_ _2\"></span>n, o<span class=\"_ _2\"></span>b die ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6me de<span class=\"_ _2\"></span>s finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s sich sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant von den Vergl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>s-Zahl<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00f6men e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s nicht s<span class=\"_ _2\"></span>ch\u00e4d<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>kins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ist e<span class=\"_ _2\"></span>ine qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Anal<span class=\"_ _2\"></span>yse ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>. Is<span class=\"_ _2\"></span>t dies ni<span class=\"_ _2\"></span>cht m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h, is<span class=\"_ _2\"></span>t ein q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>nchm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>t durc<span class=\"_ _2\"></span>hzuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn die beid<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sind u<span class=\"_ _2\"></span>nd die Fa<span class=\"_ _2\"></span>ir- V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt wi<span class=\"_ _2\"></span>rd:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Gesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>smodell \u201e<span class=\"_ _2\"></span>Halten\u201c<span class=\"_ _9\"></span> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt<span class=\"_ _39f\"> </span></span>Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr die Fo<span class=\"_ _2\"></span>lgeb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, wenn die b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t sind un<span class=\"_ _2\"></span>d die Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion nic<span class=\"_ _2\"></span>ht ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Verka<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n\u201c<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Zahlungss<span class=\"_ _2\"></span>tromk<span class=\"_ _2\"></span>riter<span class=\"_ _2\"></span>ium er<span class=\"_ _3\"></span>f\u00fcllt</span><span class=\"ls2 ws1\"> </span>Mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 w<span class=\"_ _2\"></span>urde b<span class=\"_ _2\"></span>ei Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung von eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>en De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Schul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>hlosse<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Kla<span class=\"_ _2\"></span>ssifiz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n folg<span class=\"_ _2\"></span>lich a<span class=\"_ _2\"></span>uf de<span class=\"_ _2\"></span>n hybr<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>n Kont<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t aus S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>t und eing<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>em De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fclle<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>uldin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte de<span class=\"_ _2\"></span>n SP<span class=\"_ _2\"></span>PI<span class=\"_ _2\"></span>-T<span class=\"_ _10\"></span>es<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>ht ode<span class=\"_ _2\"></span>r werd<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell \u201e<span class=\"_ _9\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>fen\u201c zugeor<span class=\"_ _2\"></span>dne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so sind d<span class=\"_ _2\"></span>iese f<span class=\"_ _2\"></span>\u00fcr die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet zu k<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t pri<span class=\"_ _2\"></span>nzipie<span class=\"_ _2\"></span>ll dem G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>ll \u201e<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dah<span class=\"_ _2\"></span>er wer<span class=\"_ _2\"></span>den F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en an K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute un<span class=\"_ _2\"></span>d Kun<span class=\"_ _2\"></span>den mi<span class=\"_ _2\"></span>t fes<span class=\"_ _2\"></span>ten o<span class=\"_ _2\"></span>der bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n, wen<span class=\"_ _2\"></span>n das S<span class=\"_ _2\"></span>PPI<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, mit de<span class=\"_ _2\"></span>n for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Sofe<span class=\"_ _2\"></span>rn Dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, hab<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>se die Fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en wer<span class=\"_ _2\"></span>den al<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>kovor<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>sorgen ausgewiesen.<span class=\"_ _39f\"> </span>Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>igenk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e wir<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und an<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nnte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>mi<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span> Bei I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen in Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die nicht zu H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>elsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>eht be<span class=\"_ _2\"></span>i der Er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assu<span class=\"_ _2\"></span>ng das unwid<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>e Wahlrecht<span class=\"_ _3\"></span>, alle W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis im Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l auszuwe<span class=\"_ _2\"></span>isen (OCI<span class=\"_ _2\"></span>-Wahlrec<span class=\"_ _2\"></span>ht). Das Wahlrecht k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n f\u00fcr j<span class=\"_ _2\"></span>edes e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ne Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>usge\u00fcb<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. Zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>eidung bz<span class=\"_ _2\"></span>w. Bes<span class=\"_ _2\"></span>eitig<span class=\"_ _2\"></span>ung von Volatili<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ten in de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung wir<span class=\"_ _2\"></span>d diese<span class=\"_ _2\"></span>s Wahlrech<span class=\"_ _2\"></span>t von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend a<span class=\"_ _2\"></span>usge\u00fc<span class=\"_ _2\"></span>bt<span class=\"_ _2\"></span>. Im F<span class=\"_ _2\"></span>alle e<span class=\"_ _2\"></span>ines A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>angs d<span class=\"_ _2\"></span>es finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s vor F\u00e4l<span class=\"_ _2\"></span>ligke<span class=\"_ _2\"></span>it is<span class=\"_ _2\"></span>t der im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erge<span class=\"_ _2\"></span>bnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>te k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag n<span class=\"_ _2\"></span>icht in d<span class=\"_ _2\"></span>ie Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umzub<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>en (ke<span class=\"_ _2\"></span>in Rec<span class=\"_ _2\"></span>ycl<span class=\"_ _2\"></span>ing). Ei<span class=\"_ _2\"></span>ne Um<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>ung in ein<span class=\"_ _2\"></span>en and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alpos<span class=\"_ _2\"></span>ten i<span class=\"_ _2\"></span>st zul<span class=\"_ _2\"></span>\u00e4ssig.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen un<span class=\"_ _2\"></span>d in den s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>ind \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>he H<span class=\"_ _2\"></span>edges e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht d<span class=\"_ _2\"></span>en Anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>s He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting na<span class=\"_ _2\"></span>ch I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. B<span class=\"_ _2\"></span>ei die<span class=\"_ _2\"></span>sen we<span class=\"_ _2\"></span>rden K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e mit Ba<span class=\"_ _2\"></span>nkend<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>ten ab<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sicher<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten sin<span class=\"_ _2\"></span>d f\u00fc<span class=\"_ _2\"></span>r die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch als zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet zu kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>iese k\u00f6n<span class=\"_ _2\"></span>nen f<span class=\"_ _2\"></span>\u00fcr die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang wa<span class=\"_ _2\"></span>hlwei<span class=\"_ _2\"></span>se auc<span class=\"_ _2\"></span>h als er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n (Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion), wenn dadurc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung od<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>im Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rn wi<span class=\"_ _2\"></span>rd f\u00fc<span class=\"_ _2\"></span>r gewi<span class=\"_ _2\"></span>sse ver<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>te V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en sowi<span class=\"_ _2\"></span>e Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lanl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e im Ra<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung m<span class=\"_ _2\"></span>it der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion ange<span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-519": {
   "value": "Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-583": {
   "value": "Im Fal<span class=\"_ _2\"></span>le von nac<span class=\"_ _2\"></span>htr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en von ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>s zu ein<span class=\"_ _2\"></span>em bil<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang des ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und zu e<span class=\"_ _2\"></span>inem b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Zuga<span class=\"_ _2\"></span>ng eine<span class=\"_ _2\"></span>s modi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n \u201ene<span class=\"_ _2\"></span>uen\u201c Fina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei nach<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4glic<span class=\"_ _2\"></span>hen n<span class=\"_ _2\"></span>icht wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, die n<span class=\"_ _2\"></span>icht zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Abg<span class=\"_ _2\"></span>ang de<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>t des fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts n<span class=\"_ _2\"></span>eu be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet u<span class=\"_ _2\"></span>nd ein G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>s eind<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>iger Regelu<span class=\"_ _2\"></span>ngen in I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 z<span class=\"_ _2\"></span>ur Abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d nicht we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wird a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsspe<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>zifis<span class=\"_ _2\"></span>che A<span class=\"_ _2\"></span>bgr<span class=\"_ _2\"></span>enzung a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t (<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>iehe h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>s Punk<span class=\"_ _3\"></span>t \u201e<span class=\"_ _4\"></span>Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, Se<span class=\"_ _2\"></span>ite 320).<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-605": {
   "value": "Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-598": {
   "value": "Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>, die nich<span class=\"_ _2\"></span>t als Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, sin<span class=\"_ _2\"></span>d nac<span class=\"_ _2\"></span>h IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam z<span class=\"_ _2\"></span>um beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et zu k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-582": {
   "value": "Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten sin<span class=\"_ _2\"></span>d f\u00fc<span class=\"_ _2\"></span>r die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch als zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet zu kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>iese k\u00f6n<span class=\"_ _2\"></span>nen f<span class=\"_ _2\"></span>\u00fcr die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang wa<span class=\"_ _2\"></span>hlwei<span class=\"_ _2\"></span>se auc<span class=\"_ _2\"></span>h als er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n (Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion), wenn dadurc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung od<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>im Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rn wi<span class=\"_ _2\"></span>rd f\u00fc<span class=\"_ _2\"></span>r gewi<span class=\"_ _2\"></span>sse ver<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>te V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en sowi<span class=\"_ _2\"></span>e Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lanl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e im Ra<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung m<span class=\"_ _2\"></span>it der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion ange<span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>s Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds wer<span class=\"_ _2\"></span>den ver<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>end al<span class=\"_ _2\"></span>s zum bei<span class=\"_ _2\"></span>zuleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet k<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-518": {
   "value": "Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten sin<span class=\"_ _2\"></span>d f\u00fc<span class=\"_ _2\"></span>r die Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>ch als zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet zu kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>iese k\u00f6n<span class=\"_ _2\"></span>nen f<span class=\"_ _2\"></span>\u00fcr die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung b<span class=\"_ _2\"></span>ei Zug<span class=\"_ _2\"></span>ang wa<span class=\"_ _2\"></span>hlwei<span class=\"_ _2\"></span>se auc<span class=\"_ _2\"></span>h als er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t bewer<span class=\"_ _3\"></span>tet d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n (Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion), wenn dadurc<span class=\"_ _2\"></span>h Inkong<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung od<span class=\"_ _2\"></span>er be<span class=\"_ _2\"></span>im Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Im B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rn wi<span class=\"_ _2\"></span>rd f\u00fc<span class=\"_ _2\"></span>r gewi<span class=\"_ _2\"></span>sse ver<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>te V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en sowi<span class=\"_ _2\"></span>e Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lanl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e im Ra<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung m<span class=\"_ _2\"></span>it der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n, di<span class=\"_ _2\"></span>e Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion ange<span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-520": {
   "value": "Sicher<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezieh<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>(He<span class=\"_ _2\"></span>dge Account<span class=\"_ _2\"></span>ing)<span class=\"_ _39f\"> </span>Soweit in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V H<span class=\"_ _2\"></span>edg<span class=\"_ _2\"></span>e Account<span class=\"_ _2\"></span>ing gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 ange<span class=\"_ _2\"></span>wan<span class=\"_ _2\"></span>dt wird<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>nt es de<span class=\"_ _2\"></span>r Absi<span class=\"_ _2\"></span>cher<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isses un<span class=\"_ _2\"></span>d des M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>i-<span class=\"_ _39f\"> </span>si<span class=\"_ _2\"></span>kos<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span> F\u00fc<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>a\u00df<span class=\"_ _2\"></span>na<span class=\"_ _2\"></span>hm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span> Mi<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>g d<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span> Z<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko<span class=\"_ _2\"></span>s werden Fai<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>alue Hedg<span class=\"_ _2\"></span>es einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e prospe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve bzw. retrospektive <span class=\"_ _9\"></span>nachw<span class=\"_ _9\"></span>eisba<span class=\"_ _9\"></span>re u<span class=\"_ _9\"></span>nd <span class=\"_ _9\"></span>dokumenti<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te E<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _2\"></span>tivit\u00e4t d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ziehung<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei ei<span class=\"_ _2\"></span>ne wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Voraussetzung<span class=\"_ _9\"></span> f\u00fcr die Anwend<span class=\"_ _2\"></span>ung des Fair Value Hedge Accoun<span class=\"_ _2\"></span>ting.<span class=\"_ _39f\"> </span>Die Abs<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>er Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze von fix<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n durch i<span class=\"_ _2\"></span>n Bez<span class=\"_ _2\"></span>ug auf wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter wei<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d iden<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he, a<span class=\"_ _2\"></span>ber g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nl\u00e4u<span class=\"_ _2\"></span>fige de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente mi<span class=\"_ _2\"></span>t Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ng getauscht werden.<span class=\"_ _39f\"> </span>Die bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung d<span class=\"_ _2\"></span>er Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Accoun<span class=\"_ _2\"></span>ting e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>en Poste<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges Finanz<span class=\"_ _2\"></span>verm\u00f6gen<span class=\"_ _9\"></span>\u201c sowie \u201eSonstige Finanz<span class=\"_ _2\"></span>verbindlichkeiten\u201c<span class=\"_ _10\"></span>.<span class=\"_ _39f\"> </span>Abge<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ndges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en des F<span class=\"_ _2\"></span>air Value He<span class=\"_ _2\"></span>dge Acco<span class=\"_ _2\"></span>unting we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in folg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n abge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Forde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n Kun<span class=\"_ _2\"></span>den </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">V<span class=\"_ _4\"></span>erbindlich<span class=\"_ _9\"></span>keiten<span class=\"_ _9\"></span> gegen\u00fcber<span class=\"_ _9\"></span> Kunden </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Sonstige F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>verbindlichkeite<span class=\"_ _2\"></span>n </span>Das Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is aus de<span class=\"_ _2\"></span>m Fair Value H<span class=\"_ _2\"></span>edge Ac<span class=\"_ _2\"></span>count<span class=\"_ _2\"></span>ing wird e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am in de<span class=\"_ _2\"></span>r Position \u201e<span class=\"_ _3\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg aus F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zgesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten\u201c gezeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-521": {
   "value": "Erl\u00f6se aus <span class=\"_ _2\"></span>Kundenver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _39f\"> </span>Die Rege<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>5 bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wie und w<span class=\"_ _2\"></span>ann Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahmt wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he nic<span class=\"_ _2\"></span>ht in Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mi<span class=\"_ _2\"></span>t der V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>nahmu<span class=\"_ _2\"></span>ng von Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>en aus F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ie unter d<span class=\"_ _2\"></span>ie Rege<span class=\"_ _2\"></span>lungen d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. In de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V wur<span class=\"_ _2\"></span>den Prozesse mi<span class=\"_ _2\"></span>t dami<span class=\"_ _2\"></span>t verb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ner i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ner K<span class=\"_ _2\"></span>ontr<span class=\"_ _2\"></span>olle i<span class=\"_ _2\"></span>mple<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ass ein<span class=\"_ _2\"></span>e Erl<span class=\"_ _2\"></span>\u00f6sre<span class=\"_ _2\"></span>alisie<span class=\"_ _2\"></span>rung a<span class=\"_ _2\"></span>us Vert<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>gen mi<span class=\"_ _2\"></span>t Kund<span class=\"_ _2\"></span>en in Ein<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ng mit I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>5 s<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>5 w<span class=\"_ _2\"></span>ird anh<span class=\"_ _2\"></span>and e<span class=\"_ _2\"></span>ines F\u00fcn<span class=\"_ _2\"></span>f-Sc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>odel<span class=\"_ _2\"></span>ls bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>, zu wel<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t (<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>der \u00fcb<span class=\"_ _2\"></span>er wel<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m<span class=\"_ _4\"></span>) un<span class=\"_ _2\"></span>d in welch<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he Um<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Das M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>ll leg<span class=\"_ _3\"></span>t fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss Ums<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>l\u00f6se zum Z<span class=\"_ _2\"></span>eitp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t (oder \u00fcbe<span class=\"_ _2\"></span>r den Ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum) des \u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>s der K<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>rolle \u00fc<span class=\"_ _2\"></span>ber G<span class=\"_ _2\"></span>\u00fcter o<span class=\"_ _2\"></span>der D<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>stl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n vom Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f Kund<span class=\"_ _2\"></span>en mi<span class=\"_ _2\"></span>t dem B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag zu b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, auf den d<span class=\"_ _2\"></span>as Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgem<span class=\"_ _2\"></span>\u00e4\u00df Ans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>ch hat<span class=\"_ _3\"></span>. Abh\u00e4<span class=\"_ _2\"></span>ngig von de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>ung bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mter K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien we<span class=\"_ _2\"></span>rden U<span class=\"_ _2\"></span>msa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zerl<span class=\"_ _2\"></span>\u00f6se wie folg<span class=\"_ _3\"></span>t er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00fcber e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum d<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ingu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Unt<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d; ode<span class=\"_ _2\"></span>r </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">zu eine<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>em di<span class=\"_ _2\"></span>e Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>lle \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>das G<span class=\"_ _2\"></span>ut o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>die D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>Ums<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>l\u00f6se sind d<span class=\"_ _2\"></span>emzu<span class=\"_ _2\"></span>folge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r Gege<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche d<span class=\"_ _2\"></span>as Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n h\u00f6ch<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>h im Aust<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>ch f\u00fc<span class=\"_ _2\"></span>r die \u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ung von G\u00fcte<span class=\"_ _2\"></span>rn od<span class=\"_ _2\"></span>er Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungen e<span class=\"_ _2\"></span>rh\u00e4l<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. Um die<span class=\"_ _2\"></span>s zu erre<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>en, we<span class=\"_ _2\"></span>rden di<span class=\"_ _2\"></span>e Gru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze des Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s, die in folge<span class=\"_ _2\"></span>nde f<span class=\"_ _2\"></span>\u00fcnf \u201e<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>e\u201c gefa<span class=\"_ _2\"></span>sst sin<span class=\"_ _2\"></span>d, be<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>1<span class=\"_ _4\"></span>)  I<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ntifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s (bz<span class=\"_ _2\"></span>w. der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>) mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>2) <span class=\"_ _7\"> </span>Ident<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>Lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags <span class=\"_ _2\"></span>(bz<span class=\"_ _2\"></span>w. der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge)<span class=\"_ _39f\"> </span>3) <span class=\"_ _7\"> </span>Best<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>eise<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>4) <span class=\"_ _7\"> </span>Allok<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ionsp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>es au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>h ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n Lei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span>5) <span class=\"_ _7\"> </span>Erl\u00f6sre<span class=\"_ _2\"></span>alisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>i Er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>uvor i<span class=\"_ _2\"></span>dent<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flicht<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber h<span class=\"_ _2\"></span>inaus b<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>t die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>real<span class=\"_ _2\"></span>isier<span class=\"_ _2\"></span>ung die E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllung n<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end a<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ter A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>zk<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien:<span class=\"_ _39f\"> </span>Die gew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t die Er<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ung von Ban<span class=\"_ _2\"></span>kdiens<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e im W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen ni<span class=\"_ _2\"></span>cht unte<span class=\"_ _2\"></span>r den A<span class=\"_ _2\"></span>nwendung<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>5 fal<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die gew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>he Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng Gmb<span class=\"_ _2\"></span>H umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t Er<span class=\"_ _2\"></span>l\u00f6se aus d<span class=\"_ _2\"></span>em Verk<span class=\"_ _2\"></span>auf von Sk<span class=\"_ _2\"></span>ip\u00e4<span class=\"_ _2\"></span>ssen (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>age<span class=\"_ _2\"></span>s-, Saiso<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>), E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Ski<span class=\"_ _2\"></span>schul<span class=\"_ _2\"></span>e, Er<span class=\"_ _2\"></span>l\u00f6se a<span class=\"_ _2\"></span>us dem Verle<span class=\"_ _2\"></span>ih und Verk<span class=\"_ _2\"></span>auf von S<span class=\"_ _2\"></span>ki<span class=\"_ _2\"></span>- und Sn<span class=\"_ _2\"></span>owboa<span class=\"_ _2\"></span>rdau<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>tunge<span class=\"_ _2\"></span>n sowie B<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>, E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus de<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb ei<span class=\"_ _2\"></span>nes H<span class=\"_ _2\"></span>otels s<span class=\"_ _2\"></span>owie Er<span class=\"_ _2\"></span>l\u00f6se von G<span class=\"_ _2\"></span>ast<span class=\"_ _2\"></span>rono<span class=\"_ _2\"></span>miee<span class=\"_ _2\"></span>inr<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e gew\u00f6hnl<span class=\"_ _2\"></span>iche Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der M<span class=\"_ _2\"></span>ayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ner B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gba<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst Er<span class=\"_ _2\"></span>l\u00f6s<span class=\"_ _2\"></span>e aus de<span class=\"_ _2\"></span>m V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f von Skip<span class=\"_ _2\"></span>\u00e4sse<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>-, Sai<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>- und Jahreskar<span class=\"_ _2\"></span>ten).<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _3\"></span>te Sk<span class=\"_ _2\"></span>ip\u00e4<span class=\"_ _2\"></span>sse we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>gel b<span class=\"_ _2\"></span>ar b<span class=\"_ _2\"></span>ez<span class=\"_ _2\"></span>ahlt <span class=\"_ _2\"></span>bzw. dur<span class=\"_ _2\"></span>ch \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>weisu<span class=\"_ _2\"></span>ng sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie U<span class=\"_ _2\"></span>msat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>dem V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f von S<span class=\"_ _2\"></span>aison<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>bzw. J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht ab<span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. In <span class=\"_ _2\"></span>Einzel<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>es zu <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen komme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn a<span class=\"_ _2\"></span>n Ho<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tenkon<span class=\"_ _2\"></span>tinge<span class=\"_ _2\"></span>nte ve<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>ast<span class=\"_ _2\"></span>rono<span class=\"_ _2\"></span>miee<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>\u00f6se we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bez<span class=\"_ _2\"></span>ahlt<span class=\"_ _3\"></span>, Ho<span class=\"_ _2\"></span>tele<span class=\"_ _2\"></span>rl\u00f6<span class=\"_ _2\"></span>se werde<span class=\"_ _2\"></span>n sp<span class=\"_ _2\"></span>\u00e4tes<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Abr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. Le<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die von <span class=\"_ _2\"></span>Ski<span class=\"_ _2\"></span>schul<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>cht we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Regel <span class=\"_ _2\"></span>vor D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e, d<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>Spor<span class=\"_ _3\"></span>tha<span class=\"_ _2\"></span>ndel <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>t mit <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Ware be<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Aus all die<span class=\"_ _2\"></span>sen b<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en Sa<span class=\"_ _2\"></span>chver<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en kei<span class=\"_ _2\"></span>ne Vert<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>ge mit sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nten F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skompo<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>ten od<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, die Abg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end d<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>rite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>FR<span class=\"_ _3\"></span>S 1<span class=\"_ _4\"></span>5 er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Sonstiger betr<span class=\"_ _2\"></span>ieblicher Er<span class=\"_ _3\"></span>folg Im S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>folg <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>all je<span class=\"_ _2\"></span>ne E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>s ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t zuzur<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>zu z<span class=\"_ _2\"></span>\u00e4hle<span class=\"_ _2\"></span>n ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re die <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>isse a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Vermie<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>/<span class=\"_ _3\"></span>Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>als Fin<span class=\"_ _2\"></span>anzinves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Im<span class=\"_ _2\"></span>mobili<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>, Warene<span class=\"_ _2\"></span>ins\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze sowi<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>l\u00f6se <span class=\"_ _2\"></span>aus b<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>m Ge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ersic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Seil<span class=\"_ _2\"></span>bahn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus<span class=\"_ _2\"></span>ums\u00e4<span class=\"_ _2\"></span>tze<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>neb<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en aus s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Dot<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung sow<span class=\"_ _2\"></span>ie Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Au<span class=\"_ _2\"></span>fl\u00f6su<span class=\"_ _2\"></span>ng von s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen R\u00fcckstellungen ausgewiesen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-522": {
   "value": "Zuwendu<span class=\"_ _9\"></span>ngen der \u00f6f<span class=\"_ _3\"></span>fentlichen Hand gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>20<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V b<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e von der Eu<span class=\"_ _2\"></span>rop\u00e4i<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lbank a<span class=\"_ _2\"></span>usgege<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen \u201eGe<span class=\"_ _2\"></span>zielt<span class=\"_ _2\"></span>en l\u00e4ng<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te II<span class=\"_ _2\"></span>I (<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>L<span class=\"_ _4\"></span>TRO I<span class=\"_ _2\"></span>II<span class=\"_ _2\"></span>)<span class=\"_ _9\"></span>\u201c nach d<span class=\"_ _2\"></span>en Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n des I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 20. D<span class=\"_ _2\"></span>ie Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>ind zum 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024 ausgela<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Verbin<span class=\"_ _2\"></span>dlichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n 31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023: <span class=\"ff2\"> </span>350 Mio. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Insge<span class=\"_ _2\"></span>samt f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te das T<span class=\"_ _2\"></span>L<span class=\"_ _4\"></span>TRO<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>II<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ogr<span class=\"_ _2\"></span>amm i<span class=\"_ _2\"></span>m Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 zu eine<span class=\"_ _2\"></span>m er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n Zin<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"ff2\"> </span>6.<span class=\"_ _3\"></span>838 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zum 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 lag b<span class=\"_ _2\"></span>ei 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rnge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wurd<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amm<span class=\"_ _2\"></span>enha<span class=\"_ _2\"></span>ng mit COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19 die Entsc<span class=\"_ _2\"></span>h\u00e4dig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h dem Ep<span class=\"_ _2\"></span>idem<span class=\"_ _2\"></span>ieG in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 258 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 320 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) vere<span class=\"_ _2\"></span>inna<span class=\"_ _2\"></span>hmt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V w\u00e4<span class=\"_ _2\"></span>hlt hie<span class=\"_ _2\"></span>r gem<span class=\"_ _2\"></span>\u00e4\u00df IA<span class=\"_ _2\"></span>S 2<span class=\"_ _2\"></span>0 die N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _3\"></span>, bei d<span class=\"_ _2\"></span>er die Zu<span class=\"_ _2\"></span>wendung<span class=\"_ _2\"></span>en <span class=\"ff2\"> </span>den au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>en Per<span class=\"_ _2\"></span>sonal<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d k\u00fcr<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. I<span class=\"_ _2\"></span>n den s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen we<span class=\"_ _2\"></span>rden s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>liche B<span class=\"_ _2\"></span>eih<span class=\"_ _2\"></span>ilf<span class=\"_ _2\"></span>en in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"ff2\"> </span>29<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>2 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGovernmentGrants",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-599": {
   "value": "Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assun<span class=\"_ _9\"></span>g von W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderungen gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>s IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 sieht e<span class=\"_ _2\"></span>ine R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s (E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>pec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed Cre<span class=\"_ _2\"></span>dit Loss \u2013 ECL<span class=\"_ _4\"></span>) vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>em Mo<span class=\"_ _2\"></span>dell zu<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ge sind e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlust<span class=\"_ _2\"></span>e zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wenn zu<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng noch ke<span class=\"_ _2\"></span>ine kon<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ten Hinwei<span class=\"_ _2\"></span>se f\u00fc<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr Schu<span class=\"_ _2\"></span>ldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s bewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie f\u00fcr K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>agen un<span class=\"_ _2\"></span>d finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, ausge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wenn d<span class=\"_ _2\"></span>iese e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll sie<span class=\"_ _2\"></span>ht ein<span class=\"_ _2\"></span>e Glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te in d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n der Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung vor. <span class=\"ff2\"> </span>Die H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng h\u00e4ng<span class=\"_ _3\"></span>t dabe<span class=\"_ _2\"></span>i von der Zu<span class=\"_ _2\"></span>ordnung d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>iner von d<span class=\"_ _2\"></span>rei Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n ab:<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r Regel we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bei Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z all<span class=\"_ _2\"></span>e finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e 1 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t bei eine<span class=\"_ _2\"></span>r Zuweis<span class=\"_ _2\"></span>ung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s in Stuf<span class=\"_ _2\"></span>e 1 dem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s m\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse \u00fcb<span class=\"_ _2\"></span>er die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n <span class=\"ff2\"> </span>1<span class=\"_ _10\"></span>2 Monate.<span class=\"_ _39f\"> </span>Wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte Er<span class=\"_ _2\"></span>h\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kos be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes von St<span class=\"_ _2\"></span>ufe 1 i<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pric<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>i eine<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-2-<span class=\"_ _9\"></span>Zuordnung d<span class=\"_ _2\"></span>em er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t von m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. Zur Det<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ines s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos schr<span class=\"_ _2\"></span>eibt I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 eine<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch des A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag mit d<span class=\"_ _2\"></span>em Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n Ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z vor<span class=\"_ _9\"></span>. Bei Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r des fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes in St<span class=\"_ _2\"></span>ufe 3<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zuo<span class=\"_ _2\"></span>rdnung fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ller Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zu den d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V anhan<span class=\"_ _2\"></span>d der un<span class=\"_ _2\"></span>ten ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ogik a<span class=\"_ _2\"></span>uf Ebe<span class=\"_ _2\"></span>ne de<span class=\"_ _2\"></span>s indi<span class=\"_ _2\"></span>vidu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s. Da<span class=\"_ _2\"></span>bei b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt d<span class=\"_ _2\"></span>er Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>t der in d<span class=\"_ _2\"></span>er T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n rat<span class=\"_ _2\"></span>ing- un<span class=\"_ _2\"></span>d prozessb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren di<span class=\"_ _2\"></span>e zu ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikostufe<span class=\"_ _21c\"> </span><span class=\"lse wse\">Beschreibung<span class=\"_ _13d\"> </span><span class=\"ws1\">H\u00f6h<span class=\"_ _2\"></span>e des Kreditverlusts<span class=\"_ _39f\"> </span></span></span>1 \u2013 geringes Risiko<span class=\"_ _a8\"> </span>Ne<span class=\"_ _2\"></span>ugesch\u00e4ft ode<span class=\"_ _2\"></span>r keine signifikant e<span class=\"_ _2\"></span>rh\u00f6hte Ausfallw<span class=\"_ _2\"></span>ahrscheinlichkeit bzw.<span class=\"_ _9\"></span> <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>keine negativen Risi<span class=\"_ _2\"></span>koinformationen<span class=\"_ _39f\"> </span>12-Monats-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _1e0\"> </span>Kun<span class=\"_ _2\"></span>d*in ist 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age \u00fcberzogen (keine Nachsicht gew\u00e4hr<span class=\"_ _2\"></span>t)<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21e\"> </span>Nachsicht wurde gew\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _2c\"> </span>Si<span class=\"_ _9\"></span>gnifikanter Anstieg <span class=\"_ _2\"></span>der er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>teten Ausf<span class=\"_ _2\"></span>allwahrscheinlichkeit zwischen <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>Erstansatz <span class=\"_ _2\"></span>und aktuellem <span class=\"_ _2\"></span>Stichtag (siehe weiter<span class=\"_ _2\"></span>f\u00fchren<span class=\"_ _2\"></span>de Beschreibungen im <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ext)<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _dd\"> </span>Aktu<span class=\"_ _2\"></span>elles Rating hat <span class=\"_ _2\"></span>sich im Vergleich zum Initialrating um <span class=\"_ _2\"></span>mindestens <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>4 Stufen verschlechter<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _134\"> </span>Kein Neugesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, aber Initialr<span class=\"_ _2\"></span>ating oder akt<span class=\"_ _2\"></span>uelles Rating fe<span class=\"_ _2\"></span>hlt<span class=\"_ _104\"> </span>Gesamtlau<span class=\"_ _2\"></span>fzeit-E<span class=\"_ _9\"></span>CL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _e2\"> </span>Unterst\u00fctzende Betreu<span class=\"_ _2\"></span>ung des/der Kun<span class=\"_ _2\"></span>d*in in Form <span class=\"_ _2\"></span>einer Betr<span class=\"_ _2\"></span>iebsberatung durch Exper<span class=\"_ _2\"></span>t*innen des <span class=\"_ _2\"></span>Sanierungsmanagements<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21f\"> </span>Durch Overlay-Ansatz identifizier<span class=\"_ _2\"></span>te Kun<span class=\"_ _2\"></span>d*innen<span class=\"_ _104\"> </span>Gesamtl<span class=\"_ _2\"></span>aufzeit-ECL<span class=\"_ _39f\"> </span>3 \u2013 Ausf<span class=\"_ _2\"></span>all<span class=\"_ _220\"> </span>Kund*in ist <span class=\"_ _2\"></span>ausgefallen<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ff2 ls2 ws1\"> </span>(Discounted-Cash-Flow-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>Methode / pauschale <span class=\"_ _2\"></span>Ermittlung W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderung)<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>es fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>quant<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ative<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ieds <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s zum <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zur Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der Risi<span class=\"_ _2\"></span>koein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung b<span class=\"_ _2\"></span>eim e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>m Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>im ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>aligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang um <span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>sse de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ive U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied <span class=\"_ _2\"></span>zw<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r als 10<span class=\"_ _2\"></span>0 % un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>absol<span class=\"_ _2\"></span>ute D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer <span class=\"_ _2\"></span>als 0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Prozent<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llris<span class=\"_ _2\"></span>ikos ausgeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er hi<span class=\"_ _2\"></span>naus <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ating <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ing beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang u<span class=\"_ _2\"></span>m vie<span class=\"_ _2\"></span>r o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mehr <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>bzw. kei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>srei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zung au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis vo<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ollte<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m zum <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 da<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. Dies <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>f welc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r\u00e4u<span class=\"_ _2\"></span>mte M<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>zieht<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts auch <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des/<span class=\"_ _9\"></span>der <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a die <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>che B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>r\u00e4ng<span class=\"_ _2\"></span>nis <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s/<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>er Kund*in <span class=\"_ _2\"></span>implizier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n/Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>n Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, Ba<span class=\"_ _2\"></span>u, <span class=\"_ _2\"></span>Masc<span class=\"_ _2\"></span>hine<span class=\"_ _2\"></span>nbau<span class=\"_ _2\"></span>, Rea<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4tenwes<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>achg<span class=\"_ _2\"></span>\u00fcter <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Immob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>proje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>n, z<span class=\"_ _2\"></span>um Ein<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z).<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t sin<span class=\"_ _2\"></span>d Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d des <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>orb<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>e/<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>hten <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung von 3<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nu<span class=\"_ _2\"></span>r in s<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>wenige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ter G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Zuordn<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Soll<span class=\"_ _2\"></span>te es <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Verg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>um er<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tmalig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kom<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e Stu<span class=\"_ _2\"></span>fe 2 <span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>die zu<span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Abs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ni<span class=\"_ _2\"></span>cht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r in die St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>lizite <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>\u00e4um<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esu<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r von St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Stuf<span class=\"_ _2\"></span>e 1, die nur <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>rele<span class=\"_ _2\"></span>vant <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i N<span class=\"_ _2\"></span>achsi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nere<span class=\"_ _2\"></span>ll z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von <span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>jedo<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>weisung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn di<span class=\"_ _2\"></span>e ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>han<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r an<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>weit<span class=\"_ _2\"></span>ig ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n und di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _3\"></span>, ob <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>des finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sung<span class=\"_ _2\"></span>slog<span class=\"_ _2\"></span>ik un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on au<span class=\"_ _2\"></span>f Einze<span class=\"_ _2\"></span>lges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ebe<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>babil<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>of D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t \u2013 P<span class=\"_ _2\"></span>D\u201c)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>stqu<span class=\"_ _2\"></span>ote b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss <span class=\"_ _2\"></span>Give<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault \u2013 LGD\u201c) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heite<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure a<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>\u2013 E<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>D\u201c) <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>den er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n mar<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>diskon<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mit <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>inis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00f6he <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all aus d<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mi<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>htde<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>eter<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>albin<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sfl<span class=\"_ _2\"></span>\u00fcsse b<span class=\"_ _2\"></span>is zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus gehe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag no<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>ne Zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>hung i<span class=\"_ _2\"></span>m Fall<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lls er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien m<span class=\"_ _2\"></span>it ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung von <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>konvers<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren in die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te ei<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es LGDs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t gewid<span class=\"_ _2\"></span>mete <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it ihr<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>unbe<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure ein R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _3\"></span>fluss <span class=\"_ _2\"></span>im Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gen<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ll un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>wobei insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>vier <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte \u2013 <span class=\"_ _2\"></span>(i) <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>ii) <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>iii) <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und (<span class=\"_ _2\"></span>iv) Ban<span class=\"_ _2\"></span>ken \u2013 <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>Anwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>uordn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s auf <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ustq<span class=\"_ _2\"></span>uote bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll, <span class=\"_ _2\"></span>da au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Zu<span class=\"_ _2\"></span>ordnung <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>en genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>tquote <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>empi<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spez<span class=\"_ _2\"></span>ifis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>telt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>ting <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>tso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einj\u00e4<span class=\"_ _2\"></span>hrig<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>mpir<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Migr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>atr<span class=\"_ _2\"></span>izen a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vom Rat<span class=\"_ _2\"></span>ing a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ma<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rsk<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>a<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ad<span class=\"_ _2\"></span>jus<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d auf d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n dab<span class=\"_ _2\"></span>ei Vorhe<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>\u00fcber die En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Variab<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ie bspw. de<span class=\"_ _2\"></span>s re<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinla<span class=\"_ _2\"></span>ndspr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Wachs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>der real<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>toa<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, welc<span class=\"_ _2\"></span>he <span class=\"ff2 ls2 ws1\"> </span>in wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>lge z<span class=\"_ _2\"></span>ur Sk<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten (<span class=\"_ _2\"></span>Bayes\u2019<span class=\"_ _9\"></span>scher <span class=\"_ _2\"></span>Sk<span class=\"_ _2\"></span>alar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z) genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en (margi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>mit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>den Thr<span class=\"_ _2\"></span>ough<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cy<span class=\"_ _9\"></span>cle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sind Poi<span class=\"_ _2\"></span>nt-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie <span class=\"ff2 ls2 ws1\"> </span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>. Na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>e lin<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>apo<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hre z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tle<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n ab <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Variab<span class=\"_ _2\"></span>len der <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on bz<span class=\"_ _2\"></span>w. die au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>dar.<span class=\"_ _9\"></span> F\u00fcr all<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, inte<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ivere <span class=\"_ _2\"></span>Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung u<span class=\"_ _2\"></span>nd das a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>e Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>age un<span class=\"_ _2\"></span>d dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>uend <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioe<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne w<span class=\"_ _2\"></span>ider<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>lle fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ein e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eter Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>ein g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>m Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chli<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>dar, wobei f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r den <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2-m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m End<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>de, wenn d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit 6<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>% und <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>beid<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>20 %<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Fes<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>ik zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vom Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llten <span class=\"_ _2\"></span>pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>tizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>em Szena<span class=\"_ _2\"></span>rio er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweilig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng konsi<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>nt si<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io so<span class=\"_ _2\"></span>mit ste<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>res <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>beko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive bz<span class=\"_ _2\"></span>w. neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive A<span class=\"_ _2\"></span>bweichu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ios d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, die a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r zuge<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et a<span class=\"_ _2\"></span>ls Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>vom B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio, <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>von jewe<span class=\"_ _2\"></span>ils 2<span class=\"_ _2\"></span>0 % e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ge<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>avon aus<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>e dre<span class=\"_ _2\"></span>i zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr je<span class=\"_ _2\"></span>des d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ige N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ad\u00e4q<span class=\"_ _2\"></span>uat <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rsp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>ln und <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t die A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>von dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>usre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klim<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>insof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>diese eine<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. auf d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>indiv<span class=\"_ _2\"></span>idue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 u<span class=\"_ _2\"></span>nd St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>326 dar<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>m Ein<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>von ob<span class=\"_ _2\"></span>jek<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Hinwe<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung wi<span class=\"_ _2\"></span>rd de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t al<span class=\"_ _2\"></span>s wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>3 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>m\u00e4\u00df A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t ihr<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>n auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ar<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>l 1<span class=\"_ _4\"></span>78 de<span class=\"_ _2\"></span>r EU<span class=\"_ _2\"></span>-Verordnung <span class=\"_ _2\"></span>57<span class=\"_ _9\"></span>5<span class=\"_ _9\"></span>/2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>3 (Capit<span class=\"_ _2\"></span>al Requir<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion \u2013 <span class=\"_ _2\"></span>CRR) unt<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA G<span class=\"_ _2\"></span>L 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>6/07 zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion s<span class=\"_ _2\"></span>owie <span class=\"ff2 ls2 ws1\"> </span>von \u00a7 2<span class=\"_ _2\"></span>3 CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>BV <span class=\"_ _2\"></span>zur Sc<span class=\"_ _2\"></span>hwellwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>gil<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ls 9<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>unwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich <span class=\"_ _2\"></span>ansie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ne Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>r H\u00f6<span class=\"_ _2\"></span>he </span>beg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>rohe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>), od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s, d<span class=\"_ _2\"></span>em e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _3\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr al<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>30 T<span class=\"_ _9\"></span>age \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig i<span class=\"_ _2\"></span>st o<span class=\"_ _2\"></span>der<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ein Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, de<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htbe<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>BT<span class=\"_ _3\"></span>V na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>mes e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m/<span class=\"_ _9\"></span>eine<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>d*i<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llig is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, r<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>lie\u00dfli<span class=\"_ _2\"></span>ch na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ivil<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>teilu<span class=\"_ _2\"></span>ng s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig vom O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4l<span class=\"_ _2\"></span>le stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>F\u00fcr sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte F<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>\u2013 da<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d jen<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch 1 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t \u2013 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung der <span class=\"_ _2\"></span>Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Flow(<span class=\"_ _2\"></span>DCF<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>, abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>shaf<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Even<span class=\"_ _2\"></span>tual<span class=\"_ _2\"></span>obligo <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"ff2 ls2 ws1\"> </span>flows i<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n Fall <span class=\"_ _2\"></span>zu F<span class=\"_ _2\"></span>all un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ab<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rn f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Logi<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che i<span class=\"_ _2\"></span>m Go<span class=\"_ _2\"></span>ing-<span class=\"_ _3\"></span>Concer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- sow<span class=\"_ _2\"></span>ie im G<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Conce<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>die dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t Ca<span class=\"_ _2\"></span>se\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>tic C<span class=\"_ _2\"></span>ase\u201c sowi<span class=\"_ _2\"></span>e \u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t C<span class=\"_ _2\"></span>ase\u201c unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>und Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>es C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n als<span class=\"_ _2\"></span>o je n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z un<span class=\"_ _2\"></span>d Szenar<span class=\"_ _2\"></span>io un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr nic<span class=\"_ _2\"></span>ht sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4ll<span class=\"_ _2\"></span>e \u2013 d<span class=\"_ _2\"></span>as si<span class=\"_ _2\"></span>nd je<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>blig<span class=\"_ _2\"></span>o au<span class=\"_ _2\"></span>f Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne k<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>als 1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac is<span class=\"_ _2\"></span>t \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>pausc<span class=\"_ _2\"></span>hale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s he<span class=\"_ _2\"></span>i\u00dft<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tuf<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>n pau<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Prozent<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>vom Bl<span class=\"_ _2\"></span>ankovolum<span class=\"_ _2\"></span>en (Obl<span class=\"_ _2\"></span>igo abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>te<span class=\"_ _9\"></span>), welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>an Wer<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. W\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 un<span class=\"_ _2\"></span>d 2 Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>n und W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ennt <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 3 a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sko<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bzug d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorsorge berechne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rb <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung ob<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>inweis<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f Wert<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>(Pur<span class=\"_ _2\"></span>chas<span class=\"_ _2\"></span>ed o<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>igin<span class=\"_ _2\"></span>ated <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Im<span class=\"_ _2\"></span>pair<span class=\"_ _2\"></span>ed \u2013 <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI), i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>stm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes ke<span class=\"_ _2\"></span>ine Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. F\u00fcr d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>ie se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tmal<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z k<span class=\"_ _2\"></span>umu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lier<span class=\"_ _3\"></span>ten \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Wer<span class=\"_ _2\"></span>tmind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r die Ges<span class=\"_ _2\"></span>amtl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>OCI<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V je<span class=\"_ _2\"></span>doc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>evan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n vom Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te abg<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Fre<span class=\"_ _2\"></span>mdk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abzub<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>sel<span class=\"_ _2\"></span>bst <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis ge<span class=\"_ _2\"></span>zeig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f Write<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V D<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ausbu<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd von <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich fixi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>elunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Mass<span class=\"_ _2\"></span>e vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) ode<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wozu beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se H<span class=\"_ _2\"></span>airc<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s z\u00e4hl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie na<span class=\"_ _2\"></span>chgel<span class=\"_ _2\"></span>ager<span class=\"_ _3\"></span>te Au<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t h\u00e4u<span class=\"_ _2\"></span>fig a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Finali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>otenr<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die Sch<span class=\"_ _2\"></span>lie\u00dfung <span class=\"_ _2\"></span>von la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>ige<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>solve<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">auf de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ei Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er p<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s\u00f6nlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on, </span>in Verbind<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, zu<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n,<span class=\"_ _39f\"> </span>zur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>As<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>von nic<span class=\"_ _2\"></span>ht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>flusse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>dar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom Wahlre<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>en Vorgeh<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-606": {
   "value": "Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assun<span class=\"_ _9\"></span>g von W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderungen gem. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>s IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 sieht e<span class=\"_ _2\"></span>ine R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge in H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s (E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>pec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed Cre<span class=\"_ _2\"></span>dit Loss \u2013 ECL<span class=\"_ _4\"></span>) vo<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>em Mo<span class=\"_ _2\"></span>dell zu<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ge sind e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlust<span class=\"_ _2\"></span>e zu er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wenn zu<span class=\"_ _2\"></span>m Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng noch ke<span class=\"_ _2\"></span>ine kon<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ten Hinwei<span class=\"_ _2\"></span>se f\u00fc<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr Schu<span class=\"_ _2\"></span>ldins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s bewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie f\u00fcr K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>agen un<span class=\"_ _2\"></span>d finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, ausge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wenn d<span class=\"_ _2\"></span>iese e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bilanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll sie<span class=\"_ _2\"></span>ht ein<span class=\"_ _2\"></span>e Glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te in d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n der Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung vor. <span class=\"ff2\"> </span>Die H<span class=\"_ _2\"></span>\u00f6he de<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng h\u00e4ng<span class=\"_ _3\"></span>t dabe<span class=\"_ _2\"></span>i von der Zu<span class=\"_ _2\"></span>ordnung d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>iner von d<span class=\"_ _2\"></span>rei Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n ab:<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r Regel we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bei Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z all<span class=\"_ _2\"></span>e finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e 1 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t bei eine<span class=\"_ _2\"></span>r Zuweis<span class=\"_ _2\"></span>ung des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s in Stuf<span class=\"_ _2\"></span>e 1 dem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s m\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse \u00fcb<span class=\"_ _2\"></span>er die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n <span class=\"ff2\"> </span>1<span class=\"_ _10\"></span>2 Monate.<span class=\"_ _39f\"> </span>Wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte Er<span class=\"_ _2\"></span>h\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kos be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes von St<span class=\"_ _2\"></span>ufe 1 i<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pric<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>i eine<span class=\"_ _2\"></span>r Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-2-<span class=\"_ _9\"></span>Zuordnung d<span class=\"_ _2\"></span>em er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t von m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. Zur Det<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ines s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos schr<span class=\"_ _2\"></span>eibt I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9 eine<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch des A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag mit d<span class=\"_ _2\"></span>em Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n Ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z vor<span class=\"_ _9\"></span>. Bei Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r des fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tes in St<span class=\"_ _2\"></span>ufe 3<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zuo<span class=\"_ _2\"></span>rdnung fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ller Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te zu den d<span class=\"_ _2\"></span>rei St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V anhan<span class=\"_ _2\"></span>d der un<span class=\"_ _2\"></span>ten ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ogik a<span class=\"_ _2\"></span>uf Ebe<span class=\"_ _2\"></span>ne de<span class=\"_ _2\"></span>s indi<span class=\"_ _2\"></span>vidu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s. Da<span class=\"_ _2\"></span>bei b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt d<span class=\"_ _2\"></span>er Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>t der in d<span class=\"_ _2\"></span>er T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n rat<span class=\"_ _2\"></span>ing- un<span class=\"_ _2\"></span>d prozessb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren di<span class=\"_ _2\"></span>e zu ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikostufe<span class=\"_ _21c\"> </span><span class=\"lse wse\">Beschreibung<span class=\"_ _13d\"> </span><span class=\"ws1\">H\u00f6h<span class=\"_ _2\"></span>e des Kreditverlusts<span class=\"_ _39f\"> </span></span></span>1 \u2013 geringes Risiko<span class=\"_ _a8\"> </span>Ne<span class=\"_ _2\"></span>ugesch\u00e4ft ode<span class=\"_ _2\"></span>r keine signifikant e<span class=\"_ _2\"></span>rh\u00f6hte Ausfallw<span class=\"_ _2\"></span>ahrscheinlichkeit bzw.<span class=\"_ _9\"></span> <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>keine negativen Risi<span class=\"_ _2\"></span>koinformationen<span class=\"_ _39f\"> </span>12-Monats-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _1e0\"> </span>Kun<span class=\"_ _2\"></span>d*in ist 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age \u00fcberzogen (keine Nachsicht gew\u00e4hr<span class=\"_ _2\"></span>t)<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21e\"> </span>Nachsicht wurde gew\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _2c\"> </span>Si<span class=\"_ _9\"></span>gnifikanter Anstieg <span class=\"_ _2\"></span>der er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>teten Ausf<span class=\"_ _2\"></span>allwahrscheinlichkeit zwischen <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>Erstansatz <span class=\"_ _2\"></span>und aktuellem <span class=\"_ _2\"></span>Stichtag (siehe weiter<span class=\"_ _2\"></span>f\u00fchren<span class=\"_ _2\"></span>de Beschreibungen im <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ext)<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _dd\"> </span>Aktu<span class=\"_ _2\"></span>elles Rating hat <span class=\"_ _2\"></span>sich im Vergleich zum Initialrating um <span class=\"_ _2\"></span>mindestens <span class=\"_ _47\"></span><span class=\"ff2 ls2 ws1\"> </span>4 Stufen verschlechter<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _134\"> </span>Kein Neugesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, aber Initialr<span class=\"_ _2\"></span>ating oder akt<span class=\"_ _2\"></span>uelles Rating fe<span class=\"_ _2\"></span>hlt<span class=\"_ _104\"> </span>Gesamtlau<span class=\"_ _2\"></span>fzeit-E<span class=\"_ _9\"></span>CL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _e2\"> </span>Unterst\u00fctzende Betreu<span class=\"_ _2\"></span>ung des/der Kun<span class=\"_ _2\"></span>d*in in Form <span class=\"_ _2\"></span>einer Betr<span class=\"_ _2\"></span>iebsberatung durch Exper<span class=\"_ _2\"></span>t*innen des <span class=\"_ _2\"></span>Sanierungsmanagements<span class=\"_ _39f\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _39f\"> </span>2 \u2013 erh\u00f6htes <span class=\"_ _2\"></span>Risiko<span class=\"_ _21f\"> </span>Durch Overlay-Ansatz identifizier<span class=\"_ _2\"></span>te Kun<span class=\"_ _2\"></span>d*innen<span class=\"_ _104\"> </span>Gesamtl<span class=\"_ _2\"></span>aufzeit-ECL<span class=\"_ _39f\"> </span>3 \u2013 Ausf<span class=\"_ _2\"></span>all<span class=\"_ _220\"> </span>Kund*in ist <span class=\"_ _2\"></span>ausgefallen<span class=\"_ _21d\"> </span>Gesamtlaufzeit-ECL<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ff2 ls2 ws1\"> </span>(Discounted-Cash-Flow-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>Methode / pauschale <span class=\"_ _2\"></span>Ermittlung W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tminderung)<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>es fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ange<span class=\"_ _2\"></span>wand<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>quant<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ative<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ieds <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s zum <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zur Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der Risi<span class=\"_ _2\"></span>koein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung b<span class=\"_ _2\"></span>eim e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>m Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>im ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>aligen <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang um <span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>sse de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ive U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied <span class=\"_ _2\"></span>zw<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r als 10<span class=\"_ _2\"></span>0 % un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>absol<span class=\"_ _2\"></span>ute D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz <span class=\"_ _2\"></span>gr\u00f6<span class=\"_ _2\"></span>\u00dfer <span class=\"_ _2\"></span>als 0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Prozent<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llris<span class=\"_ _2\"></span>ikos ausgeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er hi<span class=\"_ _2\"></span>naus <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ating <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ing beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang u<span class=\"_ _2\"></span>m vie<span class=\"_ _2\"></span>r o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mehr <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>bzw. kei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>srei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zung au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis vo<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ollte<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>riu<span class=\"_ _2\"></span>m zum <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fer <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 da<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. Dies <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>f welc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r\u00e4u<span class=\"_ _2\"></span>mte M<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>zieht<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts auch <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des/<span class=\"_ _9\"></span>der <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a die <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>che B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>r\u00e4ng<span class=\"_ _2\"></span>nis <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s/<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>er Kund*in <span class=\"_ _2\"></span>implizier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmt i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n/Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>n Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, Ba<span class=\"_ _2\"></span>u, <span class=\"_ _2\"></span>Masc<span class=\"_ _2\"></span>hine<span class=\"_ _2\"></span>nbau<span class=\"_ _2\"></span>, Rea<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4tenwes<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>achg<span class=\"_ _2\"></span>\u00fcter <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Immob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>proje<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>esich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>n, z<span class=\"_ _2\"></span>um Ein<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z).<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t sin<span class=\"_ _2\"></span>d Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d des <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>orb<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>e/<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>hten <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung von 3<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nu<span class=\"_ _2\"></span>r in s<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>wenige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ter G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Zuordn<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Soll<span class=\"_ _2\"></span>te es <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Verg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>um er<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tmalig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kom<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e Stu<span class=\"_ _2\"></span>fe 2 <span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>die zu<span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>zum ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Abs<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ni<span class=\"_ _2\"></span>cht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>, so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r in die St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>lizite <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>\u00e4um<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esu<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r von St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Stuf<span class=\"_ _2\"></span>e 1, die nur <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>rele<span class=\"_ _2\"></span>vant <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i N<span class=\"_ _2\"></span>achsi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nere<span class=\"_ _2\"></span>ll z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von <span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>jedo<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>weisung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn di<span class=\"_ _2\"></span>e ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>han<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>t ode<span class=\"_ _2\"></span>r an<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>weit<span class=\"_ _2\"></span>ig ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n und di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd, <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _3\"></span>, ob <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>des finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>enzu<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sung<span class=\"_ _2\"></span>slog<span class=\"_ _2\"></span>ik un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on au<span class=\"_ _2\"></span>f Einze<span class=\"_ _2\"></span>lges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ebe<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>babil<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>of D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t \u2013 P<span class=\"_ _2\"></span>D\u201c)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>stqu<span class=\"_ _2\"></span>ote b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss <span class=\"_ _2\"></span>Give<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault \u2013 LGD\u201c) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heite<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure a<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>\u2013 E<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>D\u201c) <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>den er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n mar<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>diskon<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mit <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>inis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00f6he <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all aus d<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hulde<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te mi<span class=\"_ _2\"></span>t nic<span class=\"_ _2\"></span>htde<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m ge<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>eter<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>albin<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sfl<span class=\"_ _2\"></span>\u00fcsse b<span class=\"_ _2\"></span>is zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus gehe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag no<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>ne Zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>hung i<span class=\"_ _2\"></span>m Fall<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lls er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, sow<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien m<span class=\"_ _2\"></span>it ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung von <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>konvers<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren in die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te ei<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es LGDs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t gewid<span class=\"_ _2\"></span>mete <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it ihr<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n De<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>unbe<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure ein R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _3\"></span>fluss <span class=\"_ _2\"></span>im Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gen<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ll un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>wobei insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>vier <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte \u2013 <span class=\"_ _2\"></span>(i) <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>ii) <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, (<span class=\"_ _2\"></span>iii) <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>und (<span class=\"_ _2\"></span>iv) Ban<span class=\"_ _2\"></span>ken \u2013 <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>Anwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>uordn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflus<span class=\"_ _2\"></span>s auf <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ustq<span class=\"_ _2\"></span>uote bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll, <span class=\"_ _2\"></span>da au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Zu<span class=\"_ _2\"></span>ordnung <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>emp<span class=\"_ _2\"></span>iris<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>en genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>tquote <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>empi<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spez<span class=\"_ _2\"></span>ifis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>telt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>ting <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>tso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einj\u00e4<span class=\"_ _2\"></span>hrig<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>mpir<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Migr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>atr<span class=\"_ _2\"></span>izen a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vom Rat<span class=\"_ _2\"></span>ing a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ma<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rsk<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>a<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ad<span class=\"_ _2\"></span>jus<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d auf d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n dab<span class=\"_ _2\"></span>ei Vorhe<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>\u00fcber die En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Variab<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ie bspw. de<span class=\"_ _2\"></span>s re<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinla<span class=\"_ _2\"></span>ndspr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Wachs<span class=\"_ _2\"></span>tums <span class=\"_ _2\"></span>der real<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>toa<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, welc<span class=\"_ _2\"></span>he <span class=\"ff2 ls2 ws1\"> </span>in wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>lge z<span class=\"_ _2\"></span>ur Sk<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten (<span class=\"_ _2\"></span>Bayes\u2019<span class=\"_ _9\"></span>scher <span class=\"_ _2\"></span>Sk<span class=\"_ _2\"></span>alar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z) genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en (margi<span class=\"_ _2\"></span>nale<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>mit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>den Thr<span class=\"_ _2\"></span>ough<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cy<span class=\"_ _9\"></span>cle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sind Poi<span class=\"_ _2\"></span>nt-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie <span class=\"ff2 ls2 ws1\"> </span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>. Na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>e lin<span class=\"_ _2\"></span>ear<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>apo<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hre z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tle<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n ab <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6ko<span class=\"_ _2\"></span>nomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Variab<span class=\"_ _2\"></span>len der <span class=\"_ _2\"></span>ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on bz<span class=\"_ _2\"></span>w. die au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leite<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>prog<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>dar.<span class=\"_ _9\"></span> F\u00fcr all<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ar\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>hinau<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h z<span class=\"_ _2\"></span>wei <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, inte<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ivere <span class=\"_ _2\"></span>Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung u<span class=\"_ _2\"></span>nd das a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>e Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>age un<span class=\"_ _2\"></span>d dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>uend <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioe<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne w<span class=\"_ _2\"></span>ider<span class=\"_ _2\"></span>spie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>lle fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ein e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eter Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>ein g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>urch<span class=\"_ _2\"></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n je <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>m Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chli<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>dar, wobei f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r den <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2-m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>lle Pe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bis zu<span class=\"_ _2\"></span>m End<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. bis zu<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>de, wenn d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit 6<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>% und <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>beid<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>20 %<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Fes<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>ik zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vom Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io a<span class=\"_ _2\"></span>bweich<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llten <span class=\"_ _2\"></span>pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>tizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>em Szena<span class=\"_ _2\"></span>rio er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweilig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng konsi<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>nt si<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io so<span class=\"_ _2\"></span>mit ste<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>res <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>beko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive bz<span class=\"_ _2\"></span>w. neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive A<span class=\"_ _2\"></span>bweichu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>s Ba<span class=\"_ _2\"></span>sis-<span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ios d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, die a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r zuge<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>et a<span class=\"_ _2\"></span>ls Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>vom B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>-Szena<span class=\"_ _2\"></span>rio, <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>von jewe<span class=\"_ _2\"></span>ils 2<span class=\"_ _2\"></span>0 % e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ge<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>avon aus<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>e dre<span class=\"_ _2\"></span>i zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr je<span class=\"_ _2\"></span>des d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Szenari<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ige N<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ad\u00e4q<span class=\"_ _2\"></span>uat <span class=\"_ _2\"></span>wide<span class=\"_ _2\"></span>rsp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>ln und <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t die A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>von dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tmin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>usre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klim<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>w\u00fcrd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>insof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>diese eine<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. auf d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>indiv<span class=\"_ _2\"></span>idue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 u<span class=\"_ _2\"></span>nd St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>326 dar<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>m Ein<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>von ob<span class=\"_ _2\"></span>jek<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Hinwe<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung wi<span class=\"_ _2\"></span>rd de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anzi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>elle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t al<span class=\"_ _2\"></span>s wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>3 tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>dri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>m\u00e4\u00df A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t ihr<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>n auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df Ar<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>l 1<span class=\"_ _4\"></span>78 de<span class=\"_ _2\"></span>r EU<span class=\"_ _2\"></span>-Verordnung <span class=\"_ _2\"></span>57<span class=\"_ _9\"></span>5<span class=\"_ _9\"></span>/2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>3 (Capit<span class=\"_ _2\"></span>al Requir<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion \u2013 <span class=\"_ _2\"></span>CRR) unt<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA G<span class=\"_ _2\"></span>L 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>6/07 zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ion s<span class=\"_ _2\"></span>owie <span class=\"ff2 ls2 ws1\"> </span>von \u00a7 2<span class=\"_ _2\"></span>3 CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>BV <span class=\"_ _2\"></span>zur Sc<span class=\"_ _2\"></span>hwellwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>gil<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>mnac<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ls 9<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>unwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich <span class=\"_ _2\"></span>ansie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ne Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>r H\u00f6<span class=\"_ _2\"></span>he </span>beg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>rohe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>), od<span class=\"_ _2\"></span>er<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s, d<span class=\"_ _2\"></span>em e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _3\"></span>t w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V me<span class=\"_ _2\"></span>hr al<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>30 T<span class=\"_ _9\"></span>age \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4llig i<span class=\"_ _2\"></span>st o<span class=\"_ _2\"></span>der<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ein Sc<span class=\"_ _2\"></span>huldn<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, de<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htbe<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>umes <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>BT<span class=\"_ _3\"></span>V na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Bew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>mes e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>ine F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m/<span class=\"_ _9\"></span>eine<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>d*i<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llig is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, r<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>lie\u00dfli<span class=\"_ _2\"></span>ch na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ivil<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>teilu<span class=\"_ _2\"></span>ng s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig vom O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4l<span class=\"_ _2\"></span>le stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>F\u00fcr sig<span class=\"_ _2\"></span>nifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nte F<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>\u2013 da<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d jen<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ne g<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch 1 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t \u2013 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung der <span class=\"_ _2\"></span>Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Flow(<span class=\"_ _2\"></span>DCF<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>i welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>, abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>shaf<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Even<span class=\"_ _2\"></span>tual<span class=\"_ _2\"></span>obligo <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"ff2 ls2 ws1\"> </span>flows i<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n Fall <span class=\"_ _2\"></span>zu F<span class=\"_ _2\"></span>all un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ab<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nds\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rn f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Logi<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che i<span class=\"_ _2\"></span>m Go<span class=\"_ _2\"></span>ing-<span class=\"_ _3\"></span>Concer<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- sow<span class=\"_ _2\"></span>ie im G<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Conce<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z je<span class=\"_ _2\"></span>weils <span class=\"_ _2\"></span>die dr<span class=\"_ _2\"></span>ei Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t Ca<span class=\"_ _2\"></span>se\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>alis<span class=\"_ _2\"></span>tic C<span class=\"_ _2\"></span>ase\u201c sowi<span class=\"_ _2\"></span>e \u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t C<span class=\"_ _2\"></span>ase\u201c unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>und Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ein<span class=\"_ _2\"></span>es C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n als<span class=\"_ _2\"></span>o je n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z un<span class=\"_ _2\"></span>d Szenar<span class=\"_ _2\"></span>io un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr nic<span class=\"_ _2\"></span>ht sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>F\u00e4ll<span class=\"_ _2\"></span>e \u2013 d<span class=\"_ _2\"></span>as si<span class=\"_ _2\"></span>nd je<span class=\"_ _2\"></span>ne, <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>blig<span class=\"_ _2\"></span>o au<span class=\"_ _2\"></span>f Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne k<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>als 1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac is<span class=\"_ _2\"></span>t \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>pausc<span class=\"_ _2\"></span>hale<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s he<span class=\"_ _2\"></span>i\u00dft<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tuf<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>n pau<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Prozent<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>vom Bl<span class=\"_ _2\"></span>ankovolum<span class=\"_ _2\"></span>en (Obl<span class=\"_ _2\"></span>igo abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>te<span class=\"_ _9\"></span>), welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>an Wer<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t ana<span class=\"_ _2\"></span>log d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>. W\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>1 un<span class=\"_ _2\"></span>d 2 Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>n und W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ennt <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 3 a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sko<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bzug d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorsorge berechne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rb <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung ob<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>inweis<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f Wert<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>isen <span class=\"_ _2\"></span>(Pur<span class=\"_ _2\"></span>chas<span class=\"_ _2\"></span>ed o<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>igin<span class=\"_ _2\"></span>ated <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Im<span class=\"_ _2\"></span>pair<span class=\"_ _2\"></span>ed \u2013 <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI), i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>stm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sange<span class=\"_ _2\"></span>pass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes ke<span class=\"_ _2\"></span>ine Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. F\u00fcr d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>ie se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tmal<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z k<span class=\"_ _2\"></span>umu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lier<span class=\"_ _3\"></span>ten \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>PO<span class=\"_ _2\"></span>CI<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i Zug<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Wer<span class=\"_ _2\"></span>tmind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r die Ges<span class=\"_ _2\"></span>amtl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>OCI<span class=\"_ _2\"></span>s sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V je<span class=\"_ _2\"></span>doc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>evan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>u for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n vom Br<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te abg<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Fre<span class=\"_ _2\"></span>mdk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abzub<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>sel<span class=\"_ _2\"></span>bst <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>im sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis ge<span class=\"_ _2\"></span>zeig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f Write<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V D<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ausbu<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4r au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd von <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich fixi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>elunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Mass<span class=\"_ _2\"></span>e vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) ode<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wozu beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se H<span class=\"_ _2\"></span>airc<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s z\u00e4hl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie na<span class=\"_ _2\"></span>chgel<span class=\"_ _2\"></span>ager<span class=\"_ _3\"></span>te Au<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t h\u00e4u<span class=\"_ _2\"></span>fig a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Finali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>otenr<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">die Sch<span class=\"_ _2\"></span>lie\u00dfung <span class=\"_ _2\"></span>von la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>ige<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>solve<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">auf de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ei Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e Versch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er p<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s\u00f6nlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on, </span>in Verbind<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, zu<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n,<span class=\"_ _39f\"> </span>zur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>As<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>von nic<span class=\"_ _2\"></span>ht m<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _3\"></span>flusse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>dar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom Wahlre<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>en Vorgeh<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 36 <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>m\u00e4\u00dfige <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorg<span class=\"_ _2\"></span>eno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. Wenn de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d f\u00fcr <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>r\u00fche<span class=\"_ _2\"></span>r du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Zusc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung auf d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-523": {
   "value": "W\u00e4hrungsumre<span class=\"_ _2\"></span>chnung Auf <span class=\"_ _2\"></span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ab<span class=\"_ _2\"></span>gewic<span class=\"_ _2\"></span>kelte <span class=\"_ _2\"></span>Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>ssage<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ric<span class=\"_ _2\"></span>htk<span class=\"_ _2\"></span>urse<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>EZB <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>s Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>umge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>ngesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uel<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>g\u00fcl<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>inku<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Umr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung d<span class=\"_ _2\"></span>es <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r S<span class=\"_ _2\"></span>chweize<span class=\"_ _2\"></span>r Zweignie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t na<span class=\"_ _2\"></span>ch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>onal<span class=\"_ _2\"></span>en U<span class=\"_ _2\"></span>mre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>. U<span class=\"_ _2\"></span>mre<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>sdi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>winnvor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>im Eig<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Um<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng Sc<span class=\"_ _2\"></span>hweiz <span class=\"_ _2\"></span>AG er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t unte<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kur<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>Umr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung<span class=\"_ _2\"></span>sdif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renze<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>im <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>tiona<span class=\"_ _2\"></span>len W\u00e4hr<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>ch <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte i<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hweizer <span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>US<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Do<span class=\"_ _2\"></span>llar.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-524": {
   "value": "Barreser<span class=\"_ _3\"></span>ve Als B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>uth<span class=\"_ _2\"></span>aben <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lnote<span class=\"_ _2\"></span>nbanke<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-525": {
   "value": "Handelsak<span class=\"_ _3\"></span>tiva In d<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>els<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>wecke<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nsgege<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de (siehe N<span class=\"_ _2\"></span>otes 7<span class=\"_ _2\"></span>) a<span class=\"_ _2\"></span>bgeb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>dien<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>azu, <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Zinss<span class=\"_ _2\"></span>chwa<span class=\"_ _2\"></span>nkung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b ein<span class=\"_ _2\"></span>es k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- bz<span class=\"_ _2\"></span>w. mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. All<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s sind <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>tiven Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Fond<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-584": {
   "value": "Immaterielles Anlageverm\u00f6gen Dies<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>on um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>Miet<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>, gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zre<span class=\"_ _2\"></span>chte <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige Re<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zu A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie pl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t lin<span class=\"_ _2\"></span>ear <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en am <span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>e jed<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahre<span class=\"_ _2\"></span>s \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t und s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>pros<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ung im<span class=\"_ _2\"></span>mate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h \u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>3 und <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bzw. 4<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>acht- <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Nut<span class=\"_ _2\"></span>zungsr<span class=\"_ _2\"></span>echten<span class=\"_ _39f\"> </span>Sachanlagen Die B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. Her<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige un<span class=\"_ _2\"></span>d \u2013 sof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>\u2013 um <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rpl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e pl<span class=\"_ _2\"></span>anm\u00e4\u00dfig<span class=\"_ _2\"></span>e Abs<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ibung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>eb\u00e4u<span class=\"_ _2\"></span>de 32 bis <span class=\"_ _2\"></span>50 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>usst<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tung 1 <span class=\"_ _2\"></span>bis 2<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>ine Ausbu<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des vo<span class=\"_ _2\"></span>ll abg<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Anlag<span class=\"_ _2\"></span>ever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>Anla<span class=\"_ _2\"></span>gena<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>\u00e4ngen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die k<span class=\"_ _2\"></span>umul<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>sse au<span class=\"_ _2\"></span>s An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nabg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Ver\u00e4u\u00dfe<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngse<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>\u00f6s abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t) wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>hen Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgewi<span class=\"_ _2\"></span>esen<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>\u00fcte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Anl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>bzw. H<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-557": {
   "value": "Immaterielles Anlageverm\u00f6gen Dies<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>on um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>Miet<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>, gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zre<span class=\"_ _2\"></span>chte <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige Re<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zu A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie pl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t lin<span class=\"_ _2\"></span>ear <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en am <span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>e jed<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahre<span class=\"_ _2\"></span>s \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t und s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>pros<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ung im<span class=\"_ _2\"></span>mate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h \u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>3 und <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bzw. 4<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>acht- <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Nut<span class=\"_ _2\"></span>zungsr<span class=\"_ _2\"></span>echten<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 36 <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>m\u00e4\u00dfige <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorg<span class=\"_ _2\"></span>eno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. Wenn de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d f\u00fcr <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>r\u00fche<span class=\"_ _2\"></span>r du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Zusc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung auf d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-526": {
   "value": "Immaterielles Anlageverm\u00f6gen Dies<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>on um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>Miet<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>, gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zre<span class=\"_ _2\"></span>chte <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige Re<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zu A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bschr<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie pl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t lin<span class=\"_ _2\"></span>ear <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en am <span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>e jed<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahre<span class=\"_ _2\"></span>s \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t und s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>pros<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ung im<span class=\"_ _2\"></span>mate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h \u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>3 und <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bzw. 4<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>acht- <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Nut<span class=\"_ _2\"></span>zungsr<span class=\"_ _2\"></span>echten<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 36 <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>m\u00e4\u00dfige <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorg<span class=\"_ _2\"></span>eno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. Wenn de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d f\u00fcr <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>r\u00fche<span class=\"_ _2\"></span>r du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Zusc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung auf d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-600": {
   "value": "Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tmi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 36 <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>m\u00e4\u00dfige <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bunge<span class=\"_ _2\"></span>n vorg<span class=\"_ _2\"></span>eno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. Wenn de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d f\u00fcr <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>r\u00fche<span class=\"_ _2\"></span>r du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ung en<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei F<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>menwer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Zusc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung auf d<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-558": {
   "value": "Sachanlagen Die B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. Her<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige un<span class=\"_ _2\"></span>d \u2013 sof<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>\u2013 um <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rpl<span class=\"_ _2\"></span>anm\u00e4<span class=\"_ _2\"></span>\u00dfige Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e pl<span class=\"_ _2\"></span>anm\u00e4\u00dfig<span class=\"_ _2\"></span>e Abs<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ibung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar vor<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Absc<span class=\"_ _2\"></span>hreib<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>eb\u00e4u<span class=\"_ _2\"></span>de 32 bis <span class=\"_ _2\"></span>50 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>usst<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tung 1 <span class=\"_ _2\"></span>bis 2<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>ine Ausbu<span class=\"_ _2\"></span>chung <span class=\"_ _2\"></span>des vo<span class=\"_ _2\"></span>ll abg<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Anlag<span class=\"_ _2\"></span>ever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei <span class=\"_ _2\"></span>Anla<span class=\"_ _2\"></span>gena<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>\u00e4ngen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die k<span class=\"_ _2\"></span>umul<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>sse au<span class=\"_ _2\"></span>s An<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>nabg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Ver\u00e4u\u00dfe<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngse<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>\u00f6s abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t) wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>hen Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgewi<span class=\"_ _2\"></span>esen<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>\u00fcte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Anl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>bzw. H<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>neb<span class=\"_ _2\"></span>enkos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, hi<span class=\"_ _2\"></span>ngege<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndhal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, in d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>ie ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>nd, <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>dsw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremd<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alkost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s qua<span class=\"_ _2\"></span>lifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-586": {
   "value": "Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d He<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>neb<span class=\"_ _2\"></span>enkos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>invest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, hi<span class=\"_ _2\"></span>ngege<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndhal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>, in d<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>ie ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>nd, <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>dsw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-585": {
   "value": "Fremd<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alkost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s qua<span class=\"_ _2\"></span>lifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es zug<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>net <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingCostsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-559": {
   "value": "Als Finanzinv<span class=\"_ _4\"></span>es<span class=\"_ _2\"></span>titionen gehaltene Immobilien<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>t\u00fcc<span class=\"_ _2\"></span>ke und <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>b\u00e4ud<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Einba<span class=\"_ _2\"></span>uten <span class=\"_ _2\"></span>in M<span class=\"_ _2\"></span>ietl<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n a<span class=\"_ _2\"></span>ls F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zur Er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>lung <span class=\"_ _2\"></span>von Mie<span class=\"_ _2\"></span>ter<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>und Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u An<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>min<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t um p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige line<span class=\"_ _2\"></span>are A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>aussic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, bilan<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sdau<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>ei G<span class=\"_ _2\"></span>eb\u00e4<span class=\"_ _2\"></span>ude<span class=\"_ _2\"></span>n bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 5 b<span class=\"_ _2\"></span>is 6<span class=\"_ _2\"></span>0 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Einbau<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in Mi<span class=\"_ _2\"></span>etl<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>alen <span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>t sich <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Mi<span class=\"_ _2\"></span>etda<span class=\"_ _2\"></span>uer. Die en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nden Miet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>uV<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiger <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg\u201c <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-560": {
   "value": "Leasing<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>m\u00e4\u00df d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16 \u201eL<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse\u201c<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Leasing<span class=\"_ _9\"></span>nehmer:<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>in N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>as Re<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>uf N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>zugr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>e liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, sowi<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>e kor<span class=\"_ _2\"></span>resp<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, ob e<span class=\"_ _2\"></span>ine Vereinb<span class=\"_ _2\"></span>arung e<span class=\"_ _2\"></span>in Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>is gem<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 enth<span class=\"_ _2\"></span>\u00e4lt<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V mit A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss ei<span class=\"_ _2\"></span>nes je<span class=\"_ _2\"></span>den V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s, ob d<span class=\"_ _2\"></span>ie ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>he Vereinba<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>in Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>s dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt od<span class=\"_ _2\"></span>er ein s<span class=\"_ _2\"></span>olc<span class=\"_ _2\"></span>hes be<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>\u00fcnde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Daz<span class=\"_ _2\"></span>u wird a<span class=\"_ _2\"></span>uf Ba<span class=\"_ _2\"></span>sis des einzel<span class=\"_ _2\"></span>nen Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages b<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilt<span class=\"_ _3\"></span>, ob der Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>her d<span class=\"_ _2\"></span>er Vereinba<span class=\"_ _2\"></span>rung zug<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unde lie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>in konk<span class=\"_ _2\"></span>ret i<span class=\"_ _2\"></span>dent<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>are<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t ist<span class=\"_ _3\"></span>, ob die BT<span class=\"_ _3\"></span>V a<span class=\"_ _2\"></span>ls Leas<span class=\"_ _2\"></span>ingn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r dazu b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, im Wesentli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n den ge<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>ten wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zen aus der Ver<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ung des Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts zu zi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, sow<span class=\"_ _2\"></span>ie ob die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V das Rec<span class=\"_ _2\"></span>ht zur B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung der N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>es V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s inne<span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>. Wenn diese d<span class=\"_ _2\"></span>rei B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n kum<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>iv er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llt sin<span class=\"_ _2\"></span>d, lie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t ei<span class=\"_ _2\"></span>n Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltnis i<span class=\"_ _2\"></span>m Sinne d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 vor<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Eine L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlichke<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16 zu Be<span class=\"_ _2\"></span>gin<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em B<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>m Ze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>noch nicht <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mange<span class=\"_ _2\"></span>ls Vorlieg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er vol<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s zur A<span class=\"_ _2\"></span>bzinsung vo<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>angig <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>impliz<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>not<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig si<span class=\"_ _2\"></span>nd, <span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>ie k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n mit d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>emdk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>lzinssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ab. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>olgep<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Abh\u00e4<span class=\"_ _2\"></span>ngig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten T<span class=\"_ _2\"></span>ilg<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zusch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkeit <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t ne<span class=\"_ _2\"></span>u zu <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n es <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>\u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Zuga<span class=\"_ _2\"></span>ngsb<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>ibt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>ht am Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and is<span class=\"_ _2\"></span>t zu f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten zu b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Zu den A<span class=\"_ _2\"></span>nsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>ten z\u00e4hl<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag aus de<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung der L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche L<span class=\"_ _2\"></span>easing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, die zu od<span class=\"_ _2\"></span>er vor B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>inn der L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit de<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4l<span class=\"_ _2\"></span>tnis<span class=\"_ _2\"></span>ses ge<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, an<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ngli<span class=\"_ _2\"></span>che dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Kos<span class=\"_ _2\"></span>ten sow<span class=\"_ _2\"></span>ie gesc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en des R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>baus<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>es s<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>ch zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m un<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>dbare<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>us Per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>eine V<span class=\"_ _9\"></span>erl\u00e4<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sopt<span class=\"_ _2\"></span>ion m<span class=\"_ _2\"></span>it hin<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eit <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>\u00fcbt w<span class=\"_ _2\"></span>ird bz<span class=\"_ _2\"></span>w. f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>ige K<span class=\"_ _2\"></span>\u00fcndig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sopt<span class=\"_ _2\"></span>ion m<span class=\"_ _2\"></span>it hi<span class=\"_ _2\"></span>nreic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der <span class=\"_ _2\"></span>Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eit <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>\u00fcbt <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob di<span class=\"_ _2\"></span>e Aus\u00fc<span class=\"_ _2\"></span>bung bz<span class=\"_ _2\"></span>w. Nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>aus\u00fcb<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ption<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>hinre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd s<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>eso<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, K<span class=\"_ _2\"></span>\u00fcndig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Kos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n im H<span class=\"_ _2\"></span>inblic<span class=\"_ _2\"></span>k au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s alt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he Ein<span class=\"_ _2\"></span>baute<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. E<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>um B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>sdat<span class=\"_ _2\"></span>um e<span class=\"_ _2\"></span>ine L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>von ma<span class=\"_ _2\"></span>xim<span class=\"_ _2\"></span>al 1<span class=\"_ _4\"></span>2 <span class=\"_ _2\"></span>Monat<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, lieg<span class=\"_ _3\"></span>t e<span class=\"_ _2\"></span>in k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>vor<span class=\"_ _9\"></span>. F\u00fcr k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>sse s<span class=\"_ _2\"></span>owie f<span class=\"_ _2\"></span>\u00fcr L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>euwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von 5 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac im B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>teig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, nim<span class=\"_ _2\"></span>mt di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vom Wahlrec<span class=\"_ _2\"></span>ht G<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht zu <span class=\"_ _2\"></span>bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar \u00fc<span class=\"_ _2\"></span>ber die L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Leasinggeber:<span class=\"_ _9\"></span> W<span class=\"_ _9\"></span>erde<span class=\"_ _2\"></span>n im R<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>isses <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Eigent<span class=\"_ _2\"></span>um ve<span class=\"_ _2\"></span>rbun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Chan<span class=\"_ _2\"></span>cen <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>, h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>s sich <span class=\"_ _2\"></span>um ei<span class=\"_ _2\"></span>n Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>beur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>t ins<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re an<span class=\"_ _2\"></span>hand <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um ei<span class=\"_ _2\"></span>n als Fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ssifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>ln k\u00f6n<span class=\"_ _2\"></span>nte:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Am End<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisses <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>das Eig<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>um an <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Der L<span class=\"_ _2\"></span>easing<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmer <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die O<span class=\"_ _2\"></span>pti<span class=\"_ _2\"></span>on, <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>s zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>utl<span class=\"_ _2\"></span>ich n<span class=\"_ _2\"></span>iedr<span class=\"_ _2\"></span>i<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>ger <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>er zu<span class=\"_ _2\"></span>m m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Opt<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>aus\u00fcb<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itpu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass z<span class=\"_ _2\"></span>u B<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>nn de<span class=\"_ _2\"></span>s Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>es h<span class=\"_ _2\"></span>inrei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>Opt<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>ausge\u00fc<span class=\"_ _2\"></span>bt w<span class=\"_ _2\"></span>ird.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>wieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>eil de<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>sd<span class=\"_ _2\"></span>auer <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, auc<span class=\"_ _2\"></span>h wen<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Eige<span class=\"_ _2\"></span>ntums<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht ni<span class=\"_ _2\"></span>cht \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Der Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>st so s<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>, dass er o<span class=\"_ _2\"></span>hne wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung nur vo<span class=\"_ _2\"></span>m Leasi<span class=\"_ _2\"></span>ngne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>r gen<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>W<span class=\"_ _9\"></span>erde<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>alle m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>em Eig<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>um ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Chan<span class=\"_ _2\"></span>cen \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nis al<span class=\"_ _2\"></span>s Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis e<span class=\"_ _2\"></span>inges<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>slea<span class=\"_ _2\"></span>sing we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>toinves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ion i<span class=\"_ _2\"></span>n das <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>ngebu<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ngr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ti<span class=\"_ _2\"></span>lgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>nteil <span class=\"_ _2\"></span>zer<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wobei <span class=\"_ _2\"></span>let<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r so <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>s zu <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss sic<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f Ba<span class=\"_ _2\"></span>sis d<span class=\"_ _2\"></span>es in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>des Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>e pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>disc<span class=\"_ _2\"></span>h g<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hble<span class=\"_ _2\"></span>ibe<span class=\"_ _2\"></span>nde Re<span class=\"_ _2\"></span>ndite <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>toinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ting-<span class=\"_ _3\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rh\u00e4<span class=\"_ _2\"></span>ltni<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>ar als <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nis hat d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t im Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anz s<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>, je <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hde<span class=\"_ _2\"></span>m, o<span class=\"_ _2\"></span>b es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um beweg<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nlage<span class=\"_ _2\"></span>verm<span class=\"_ _2\"></span>\u00f6gen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r um <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>n ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S 16 \u201e<span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanl<span class=\"_ _2\"></span>agen\u201c ode<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>38 <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>ater<span class=\"_ _2\"></span>iell<span class=\"_ _2\"></span>e Verm\u00f6<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>genswerte\u201c<span class=\"_ _9\"></span> for<span class=\"_ _2\"></span>tgeschrieben.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-561": {
   "value": "Kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fris<span class=\"_ _2\"></span>tiges V<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des b<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>fre<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Vorr\u00e4<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Lief<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und Verm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r May<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>fn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>orr<span class=\"_ _2\"></span>\u00e4te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zum n<span class=\"_ _2\"></span>iedr<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>us A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um Sko<span class=\"_ _2\"></span>nti <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>aba<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>owie \u00e4hnlic<span class=\"_ _2\"></span>he P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>smind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>tover<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>em g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>rdau<span class=\"_ _2\"></span>er o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>gemi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n, werde<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Nie<span class=\"_ _2\"></span>drig<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gesu<span class=\"_ _2\"></span>nkene<span class=\"_ _2\"></span>r Ver\u00e4u\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00f6se werden ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-527": {
   "value": "Kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fris<span class=\"_ _2\"></span>tiges V<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des b<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>fre<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>va <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Vorr\u00e4<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Lief<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und Verm\u00f6<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te de<span class=\"_ _2\"></span>r Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a Mo<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>fon <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mb<span class=\"_ _2\"></span>H sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r May<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>fn<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er V<span class=\"_ _9\"></span>orr<span class=\"_ _2\"></span>\u00e4te e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zum n<span class=\"_ _2\"></span>iedr<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>us A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>skost<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>um Sko<span class=\"_ _2\"></span>nti <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>aba<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>owie \u00e4hnlic<span class=\"_ _2\"></span>he P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>smind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m N<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>tover<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie A<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>em g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>rdau<span class=\"_ _2\"></span>er o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>gemi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n, werde<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>bwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Nie<span class=\"_ _2\"></span>drig<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gesu<span class=\"_ _2\"></span>nkene<span class=\"_ _2\"></span>r Ver\u00e4u\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00f6se werden ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-563": {
   "value": "R\u00fcck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llungen<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n (Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>-, A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>-, J<span class=\"_ _2\"></span>ubil\u00e4<span class=\"_ _2\"></span>umsgel<span class=\"_ _2\"></span>d- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Ster<span class=\"_ _2\"></span>beq<span class=\"_ _2\"></span>uar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>verp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) werd<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df IA<span class=\"_ _2\"></span>S 19 nach d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n (\u201e<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ojec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>nit-<span class=\"_ _2\"></span>Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode\u201c) e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Verpfli<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>math<span class=\"_ _2\"></span>emat<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Gut<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>m Bil<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag bek<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Renten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tende<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S 37 ge<span class=\"_ _2\"></span>bild<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>he o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verpflic<span class=\"_ _2\"></span>htun<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>s zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s w<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>h is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>ung der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>uss von <span class=\"_ _2\"></span>Ressour<span class=\"_ _2\"></span>cen m<span class=\"_ _2\"></span>it w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>l\u00e4ssl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Verpflic<span class=\"_ _2\"></span>htu<span class=\"_ _2\"></span>ng m\u00f6g<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er j<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d N<span class=\"_ _2\"></span>euf<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung. <span class=\"_ _2\"></span>Dab<span class=\"_ _2\"></span>ei bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ungsu<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>im komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>zu Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Echte <span class=\"_ _2\"></span>Pensionsgesch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te Echte <span class=\"_ _2\"></span>Pension<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te si<span class=\"_ _2\"></span>nd Vereinba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>es \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gen werde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hzeit<span class=\"_ _2\"></span>ig vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e sp\u00e4<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es im V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>s vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en Pe<span class=\"_ _2\"></span>nsionsg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n m\u00fcss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e inf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>age s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te ver<span class=\"_ _2\"></span>bl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>geln <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Liquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Pensio<span class=\"_ _2\"></span>nsgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als Verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n pass<span class=\"_ _2\"></span>ivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-528": {
   "value": "R\u00fcck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llungen<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n (Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>-, A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>-, J<span class=\"_ _2\"></span>ubil\u00e4<span class=\"_ _2\"></span>umsgel<span class=\"_ _2\"></span>d- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Ster<span class=\"_ _2\"></span>beq<span class=\"_ _2\"></span>uar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>verp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) werd<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df IA<span class=\"_ _2\"></span>S 19 nach d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n (\u201e<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ojec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>nit-<span class=\"_ _2\"></span>Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode\u201c) e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Verpfli<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>f ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>math<span class=\"_ _2\"></span>emat<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Gut<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>nur d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>m Bil<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag bek<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Renten<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tende<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>iger<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S 37 ge<span class=\"_ _2\"></span>bild<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>he o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verpflic<span class=\"_ _2\"></span>htun<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>s zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s w<span class=\"_ _2\"></span>ahrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>h is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss zur <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>ung der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>uss von <span class=\"_ _2\"></span>Ressour<span class=\"_ _2\"></span>cen m<span class=\"_ _2\"></span>it w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, und <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>l\u00e4ssl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Verpflic<span class=\"_ _2\"></span>htu<span class=\"_ _2\"></span>ng m\u00f6g<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>egen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er j<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d N<span class=\"_ _2\"></span>euf<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung. <span class=\"_ _2\"></span>Dab<span class=\"_ _2\"></span>ei bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ungsu<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>im komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>zu Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Echte <span class=\"_ _2\"></span>Pensionsgesch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te Echte <span class=\"_ _2\"></span>Pension<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te si<span class=\"_ _2\"></span>nd Vereinba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>es \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gen werde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n g<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hzeit<span class=\"_ _2\"></span>ig vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e sp\u00e4<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es im V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>s vere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en Pe<span class=\"_ _2\"></span>nsionsg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n m\u00fcss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e inf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>age s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te ver<span class=\"_ _2\"></span>bl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>n wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>ns. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>geln <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Liquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Pensio<span class=\"_ _2\"></span>nsgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als Verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tute<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Ku<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n pass<span class=\"_ _2\"></span>ivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-529": {
   "value": "Sons<span class=\"_ _2\"></span>tige Verbindlichkei<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>s Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>inslic<span class=\"_ _2\"></span>h und <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m Nominalwer<span class=\"_ _2\"></span>t angeset<span class=\"_ _2\"></span>zt",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherPayablesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-562": {
   "value": "Steueranspr\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Steuerschulden Ansp<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>he u<span class=\"_ _2\"></span>nd Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>en Posi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en \u201e<span class=\"_ _3\"></span>Steue<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e\u201c bzw. \u201e<span class=\"_ _2\"></span>Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c ausge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wiesen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>bilanz<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>ene <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>emp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>ar-K<span class=\"_ _2\"></span>onzept<span class=\"_ _3\"></span>, das <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze de<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te und Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Wert<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rnun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>zutr<span class=\"_ _2\"></span>ef<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fen<span class=\"_ _2\"></span>d sin<span class=\"_ _2\"></span>d, a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>esen <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nte Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>verp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bilan<span class=\"_ _2\"></span>ziere<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>euer<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcche <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>-ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>ten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>die Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng <span class=\"ff2 ls2 ws1\"> </span>mit d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive lat<span class=\"_ _2\"></span>ente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n auf n<span class=\"_ _2\"></span>och ni<span class=\"_ _2\"></span>cht ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>che Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge werd<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>nn bila<span class=\"_ _2\"></span>nzier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wenn e<span class=\"_ _2\"></span>s wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ich is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dass in der Zukunf<span class=\"_ _2\"></span>t zu v<span class=\"_ _9\"></span>ersteue<span class=\"_ _2\"></span>rnde Gewinne in entspre<span class=\"_ _2\"></span>chender H<span class=\"_ _2\"></span>\u00f6he e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tet wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Abzins<span class=\"_ _2\"></span>ungen f<span class=\"_ _2\"></span>\u00fcr la<span class=\"_ _2\"></span>tente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en nicht vor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie M\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hkeit d<span class=\"_ _2\"></span>er Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung w<span class=\"_ _2\"></span>ird von de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V als G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppe<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>\u00e4ger g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Steuern vom Eink<span class=\"_ _9\"></span>ommen und Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _39f\"> </span>In die<span class=\"_ _2\"></span>ser Posit<span class=\"_ _2\"></span>ion wer<span class=\"_ _2\"></span>den la<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde un<span class=\"_ _2\"></span>d late<span class=\"_ _2\"></span>nte Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n die in de<span class=\"_ _2\"></span>n einze<span class=\"_ _2\"></span>lnen K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nunte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en auf G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage de<span class=\"_ _2\"></span>r st<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>rlic<span class=\"_ _2\"></span>hen Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisse e<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>den Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>korr<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ure<span class=\"_ _2\"></span>n f\u00fcr Vorjahr<span class=\"_ _2\"></span>e sowie d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rab<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-530": {
   "value": "Steueranspr\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Steuerschulden Ansp<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>he u<span class=\"_ _2\"></span>nd Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>en Posi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en \u201e<span class=\"_ _3\"></span>Steue<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e\u201c bzw. \u201e<span class=\"_ _2\"></span>Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ulde<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c ausge<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wiesen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>bilanz<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>ene <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>emp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>ar-K<span class=\"_ _2\"></span>onzept<span class=\"_ _3\"></span>, das <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze de<span class=\"_ _2\"></span>r Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te und Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Wert<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rnun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>zutr<span class=\"_ _2\"></span>ef<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fen<span class=\"_ _2\"></span>d sin<span class=\"_ _2\"></span>d, a<span class=\"_ _2\"></span>ngewa<span class=\"_ _2\"></span>ndt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zen z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>esen <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nte Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>verp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bilan<span class=\"_ _2\"></span>ziere<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>euer<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcche <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>-ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>ten a<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>die Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng <span class=\"ff2 ls2 ws1\"> </span>mit d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive lat<span class=\"_ _2\"></span>ente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n auf n<span class=\"_ _2\"></span>och ni<span class=\"_ _2\"></span>cht ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rli<span class=\"_ _2\"></span>che Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge werd<span class=\"_ _2\"></span>en da<span class=\"_ _2\"></span>nn bila<span class=\"_ _2\"></span>nzier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wenn e<span class=\"_ _2\"></span>s wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ich is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dass in der Zukunf<span class=\"_ _2\"></span>t zu v<span class=\"_ _9\"></span>ersteue<span class=\"_ _2\"></span>rnde Gewinne in entspre<span class=\"_ _2\"></span>chender H<span class=\"_ _2\"></span>\u00f6he e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tet wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Abzins<span class=\"_ _2\"></span>ungen f<span class=\"_ _2\"></span>\u00fcr la<span class=\"_ _2\"></span>tente Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en nicht vor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie M\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>hkeit d<span class=\"_ _2\"></span>er Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung w<span class=\"_ _2\"></span>ird von de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V als G<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppe<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>\u00e4ger g<span class=\"_ _2\"></span>enut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-601": {
   "value": "Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _9\"></span>f<span class=\"_ _2\"></span>wand Im Ver<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ltung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>er Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Sa<span class=\"_ _2\"></span>chau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and s<span class=\"_ _2\"></span>owie p<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfige A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanla<span class=\"_ _2\"></span>gever<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>auf i<span class=\"_ _2\"></span>mmate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>s Anl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f als <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>de abgegrenz<span class=\"_ _2\"></span>t ausgewiesen.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Perso<span class=\"_ _2\"></span>nala<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en werd<span class=\"_ _2\"></span>en L\u00f6<span class=\"_ _2\"></span>hne und G<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>\u00e4lte<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, v<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>iabl<span class=\"_ _2\"></span>e Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e, ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che un<span class=\"_ _2\"></span>d fre<span class=\"_ _2\"></span>iwi<span class=\"_ _2\"></span>llige Sozial<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>dungen<span class=\"_ _2\"></span>, pe<span class=\"_ _2\"></span>rso<span class=\"_ _2\"></span>nala<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>ige Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n und Ab<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben sow<span class=\"_ _2\"></span>ie Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (einschli<span class=\"_ _2\"></span>e\u00dflich d<span class=\"_ _2\"></span>er Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen) f\u00fcr Abf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, Pensio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, Jub<span class=\"_ _2\"></span>il\u00e4um<span class=\"_ _2\"></span>sgeld un<span class=\"_ _2\"></span>d Ster<span class=\"_ _2\"></span>beq<span class=\"_ _2\"></span>uar<span class=\"_ _3\"></span>tal ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>, sowe<span class=\"_ _2\"></span>it sie nic<span class=\"_ _2\"></span>ht im so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Im Sa<span class=\"_ _2\"></span>chau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and sin<span class=\"_ _2\"></span>d neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>m EDV-Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, dem R<span class=\"_ _2\"></span>auma<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>n Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n B\u00fcro<span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b, dem Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and f\u00fcr Werbung u<span class=\"_ _2\"></span>nd Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>ing und de<span class=\"_ _2\"></span>m Rech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>- und B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d noc<span class=\"_ _2\"></span>h sons<span class=\"_ _2\"></span>tige S<span class=\"_ _2\"></span>acha<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en en<span class=\"_ _2\"></span>thal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-587": {
   "value": "Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-564": {
   "value": "Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-531": {
   "value": "Zins\u00fcber<span class=\"_ _2\"></span>schuss Im Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss sin<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge un<span class=\"_ _2\"></span>d Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>gelt <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>lspass<span class=\"_ _2\"></span>iva <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wendung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Per<span class=\"_ _2\"></span>son<span class=\"_ _2\"></span>alr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>ls in <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Pos<span class=\"_ _2\"></span>ten ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ucht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in eig<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sauf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>aus Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e als <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>denge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht a<span class=\"_ _2\"></span>bgeg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent-<span class=\"_ _39f\"> </span>ste<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>innah<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-617": {
   "value": "Provisions\u00fcbe<span class=\"_ _2\"></span>rschuss Der <span class=\"_ _2\"></span>Prov<span class=\"_ _2\"></span>isions<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss i<span class=\"_ _2\"></span>st d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>aldo <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4ge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>n Auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se um<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>fa<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>vor all<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>kehr, dem Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>em Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t sow<span class=\"_ _2\"></span>ie aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m Dev<span class=\"_ _2\"></span>ise<span class=\"_ _2\"></span>n-<span class=\"_ _2\"></span>, So<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Edelm<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>allge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Die<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-588": {
   "value": "Ermessensentscheidungen, Annahmen, Sch\u00e4tzungen Bei der Erstellung des BTV Konzernabschlusses werden Werte ermittelt, die auf Grundlagen von Ermessensentscheidungen sowie unter Verwendung von Sch\u00e4tzungen und Annahmen festgelegt werden. Die damit verbundenen Unsicherheiten k\u00f6nnten in zuk\u00fcnftigen Berichtsperioden zu zus\u00e4tzlichen Ertr\u00e4gen oder Aufwendungen f\u00fchren sowie eine Anpassung der Buchwerte in der Bilanz notwendig machen. Die verwendeten Sch\u00e4tzungen und Annahmen des Managements basieren auf historischen Erfahrungen und anderen Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen und Prognosen zuk\u00fcnftiger Ereignisse. Dies mit der Zielsetzung, aussagekr\u00e4ftige Informationen \u00fcber die Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens zu geben. Bez\u00fcglich der Ermessensentscheidungen \u00fcber die Risikolage des Konzerns wird auf den Risikobe- richt (ab Seite 373) verwiesen. Wesentliche Ermessensentscheidungen Nachfolgend werden Ermessensentscheidungen aufgezeigt, die das Management des Unternehmens getroffen hat und die die Betr\u00e4ge im Konzernabschluss wesentlich beeinflussen . Sch\u00e4tzunsicherheiten Die wichtigsten zukunftsbezogenen Annahmen sowie die sonstigen ma\u00dfgeblichen Quellen von Sch\u00e4tzunsicherheiten sind im Wesentlichen von folgenden Sachverhalten betroffen: Beizulegender Zeitwert von Finanzinstrumenten Kann der beizulegende Zeitwert von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht auf Basis von Daten eines aktiven Marktes abgeleitet werden, wird er unter Verwendung verschiedener Bewertungsmodelle ermittelt. Die Input- Parameter f\u00fcr diese Modellberechnungen werden, soweit m\u00f6glich, von beobachtbaren Marktdaten abgeleitet. Die zum Fair Value ausgewiesenen Finanzinstrumente werden wie folgt der dreistufigen Bewertungshierarchie zum Fair Value zugeordnet. Diese Hierarchie spiegelt die Bedeutung der f\u00fcr die Bewertung verwendeten Inputdaten wider und ist wie folgt gegliedert: Notierte Preise in aktiven M\u00e4rkten (Level 1): Diese Kategorie enth\u00e4lt an wichtigen B\u00f6rsen notierte Eigenkapitaltitel, Unternehmensschuldtitel und Staatsanleihen. Der Fair Value von in aktiven M\u00e4rkten gehandelten Finanzinstrumenten wird auf der Grundlage notierter Preise ermittelt, sofern diese die im Rahmen von regelm\u00e4\u00dfig stattfindenden und aktuellen Transaktionen verwendeten Preise darstellen. Ein aktiver Markt muss kumulativ folgende Voraussetzungen erf\u00fcllen: \u2022 Die auf dem Markt gehandelten Produkte sind homogen, \u2022 vertragswillige K\u00e4ufer und Verk\u00e4ufer k\u00f6nnen i. d. R. jederzeit gefunden werden und \u2022 Preise stehen der \u00d6ffentlichkeit zur Verf\u00fcgung. Ein Finanzinstrument wird als auf einem aktiven Markt notiert angesehen, wenn notierte Preise leicht und regelm\u00e4\u00dfig von einer B\u00f6rse, einem H\u00e4ndler oder Broker, einer Branchengruppe, einer Preis-Service-Agentur oder einer Aufsichtsbeh\u00f6rde verf\u00fcgbar sind und diese Preise tats\u00e4chliche und sich regelm\u00e4\u00dfig ereignende Markttransaktionen repr\u00e4sentieren. Bewertungsverfahren mittels beobachtbarer Parameter (Level 2): Diese Kategorie beinhaltet die OTC-Derivatekontrakte, Forderungen sowie die emittierten, zum Fair Value klassifizierten Schuldtitel des Konzerns. Bewertungsverfahren mittels wesentlicher nicht beobachtbarer Parameter (Level 3): Die Finanzinstrumente dieser Kategorie weisen Inputparameter auf, die auf nicht beobachtbaren Marktdaten basieren. Die Zuordnung bestimmter Finanzinstrumente zu den Level-Kategorien erfordert eine systematische Beurteilung, insbesondere wenn die Bewertung sowohl auf beobachtbaren als auch auf nicht am Markt beobachtbaren Parametern beruht. Auch unter Ber\u00fccksichtigung von \u00c4nderungen im Bereich von Marktparametern kann sich die Klassifizierung eines Instrumentes im Zeitablauf \u00e4ndern. Bei Wertpapieren und sonstigen Beteiligungen, die zum Fair Value bewertet werden, werden folgende Bewertungsverfahren angewandt: Level 1 Der Fair Value leitet sich aus den an der B\u00f6rse gehandelten Transaktionspreisen ab. Level 2 Wertpapiere, die nicht in einem aktiven Markt gehandelt werden, werden mittels der Discounted-Cash-Flow-Methode bewer- tet. Das bedeutet, dass die zuk\u00fcnftig projizierten Cashflows mittels geeigneter Diskontfaktoren abgezinst werden, um den Fair Value zu ermitteln. Die Diskontfaktoren beinhalten sowohl die kreditrisikolose Zinskurve als auch Kreditaufschl\u00e4ge (Credit Spreads), welche sich nach der Bonit\u00e4t und der Rangigkeit des Emittenten richten. Die Zinskurve zur Diskontierung beinhaltet dabei am Markt beobachtbare Depot-, Geldmarktfutures- und Swaps\u00e4tze. Die Ermittlung der Credit Spreads richtet sich nach einem 3-stufigen Verfahren: 1)  Existiert f\u00fcr den Emittenten eine am Markt aktiv gehandelte Anleihe gleichen Ranges und gleicher Restlaufzeit, wird dieser Credit Spread eingestellt. 2)  Existiert keine vergleichbare am Markt aktiv gehandelte Anleihe, wird der Credit Default Swap Spread (CDS-Spread) mit \u00e4hnlicher Laufzeit verwendet. 3)  Existiert weder eine vergleichbare am Markt aktiv gehandelte Anleihe noch ein aktiv gehandelter CDS, so wird der Kreditauf- schlag eines vergleichbaren Emittenten verwendet (Level 3). Zurzeit gibt es diesen Anwendungsfall im BTV Konzern nicht. Level 3 Die beizulegenden Zeitwerte der angef\u00fchrten finanziellen Verm\u00f6genswerte in der Stufe 3 wurden in \u00dcbereinstimmung mit allgemein anerkannten Bewertungsverfahren bestimmt. Wesentliche Eingangsparameter sind der Abzinsungssatz sowie langfristige Erfolgs- und Kapitalisierungsgr\u00f6\u00dfen unter Ber\u00fccksichtigung der Erfahrung der Gesch\u00e4ftsf\u00fchrung sowie Kenntnisse der Marktbedingungen der spezifischen Branche. Die Emissionen werden dem Level 2 zugeordnet, die Bewertung erfolgt nach dem folgenden Verfahren: Level 2 Die eigenen Emissionen unterliegen nicht einem aktiven Handel am Kapitalmarkt. Es handelt sich vielmehr um Retail-Emissionen und Privatplatzierungen. Die Bewertung findet somit mittels eines Discounted-Cash-Flow-Bewertungsmodells statt. Diesem liegen eine auf Geldmarktzinsen und Swapzinsen basierende Zinskurve und Kreditaufschl\u00e4ge der BTV zugrunde. Die Derivate werden auch dem Level 2 zugeordnet. Folgende Bewertungsverfahren kommen zur Anwendung: Level 2 Derivative Finanzinstrumente gliedern sich in Derivate mit symmetrischem Auszahlungsprofil sowie Derivate mit asymmetri- schem Auszahlungsprofil. Derivate mit symmetrischem Auszahlungsprofil beinhalten in der BTV Zinsderivate (Zinsswaps und Zinstermingesch\u00e4fte) und Fremdw\u00e4hrungsderivate (FX Swaps, Cross Currency Swaps und FX-Outright-Gesch\u00e4fte). Diese Derivate werden mittels Discounted-Cash-Flow-Methode berechnet, welche durchgehend auf am Markt beobachtbaren Geldmarktzinss\u00e4tzen, Geldmarktfutures-Zinss\u00e4tzen, Swaps\u00e4tzen sowie Basisspreads basiert. Derivate mit asymmetrischem Auszahlungsprofil beinhalten in der BTV Zinsderivate (Caps und Floors). Die Ermittlung des Fair Values erfolgt hier mittels des Black-76-Optionspreismodells. S\u00e4mtliche Inputs sind entweder vollst\u00e4ndig direkt am Markt beobachtbar (Geldmarkts\u00e4tze, Geldmarktfutures-Zinss\u00e4tze sowie Swaps\u00e4tze) oder von am Markt beobachtbaren Inputfaktoren abgeleitet (implizite von Optionspreisen abgeleitete Cap/Floor-Volatilit\u00e4ten). Die Kredite, die zum beizulegenden Zeitwert zu bilanzieren sind, werden wie folgt bewertet: Level 3 Die Kredite, die zum beizulegenden Zeitwert zu bilanzieren sind, werden mittels eines Discounted-Cash-Flow-Verfahrens bewertet, bei dem die zuk\u00fcnftig erwarteten Cashflows f\u00fcr die Laufzeit des Instruments unter Ber\u00fccksichtigung des Kreditrisikos abgezinst werden. Die Diskontkurve wird dabei um ein Epsilon erh\u00f6ht, welches so kalibriert wird, dass das Gesch\u00e4ft zum Initialisierungszeitpunkt der Nominale entspricht und somit keinen Bewertungsgewinn/-verlust erzeugt. Die Summe der auf diese Weise abgezinsten Cashflows ergibt den beizulegenden Zeitwert. Die Fair-Value-Hierarchie und Fair Values von Finanzinstrumenten werden in den Notes 36 und 36a n\u00e4her erl\u00e4utert. Risikovorsorgen im Ausleihungsgesch\u00e4ft Der Bestand an Risikovorsorgen wird durch Erwartungen hinsichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und die Zusammensetzung der Qualit\u00e4t des Kreditbestandes bestimmt. Zus\u00e4tzlich ist es f\u00fcr die Ermittlung des Aufwandes an Risikovorsorge n\u00f6tig, die H\u00f6he und den Zeitpunkt zuk\u00fcnftiger Cashflows zu sch\u00e4tzen. Auf Basis der erwarteten Kreditverluste (ECL) werden Wertminderungen einzelner Finanzinstrumente, die noch nicht feststellbar sind, gebildet. Angaben zu Grundlagen der verwendeten Inputfaktoren, Annahmen und Sch\u00e4tzverfahren, um die erwarteten Kreditverluste zu bemessen sowie um zu bestimmen, ob sich das Ausfallrisiko bei einem Finanzinstrument seit dem erstmaligen Ansatz signifikant erh\u00f6ht hat, und um zu bestimmen, ob ein finanzieller Verm\u00f6genswert einer mit beeintr\u00e4chtigter Bonit\u00e4t ist, werden im Teil \u201eErfassung von Wertminderungen gem\u00e4\u00df IFRS 9\u201c auf Seite 309 n\u00e4her erl\u00e4utert. Langfristige Personalr\u00fcckstellungen Langfristige Personalr\u00fcckstellungen werden mittels versicherungsmathematischer Verfahren bewertet. Die versicherungsma- thematischen Berechnungen basieren auf Annahmen zu Diskontierungszinssatz, k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und k\u00fcnftigen Pensionsanhebungen. Sonstige R\u00fcckstellungen Die Bildung von R\u00fcckstellungen erfordert eine Einsch\u00e4tzung, inwieweit das Unternehmen aufgrund von vergangenen Ereignissen eine Verpflichtung gegen\u00fcber Dritten hat. Zudem sind bei der R\u00fcckstellungsermittlung Sch\u00e4tzungen hinsichtlich H\u00f6he und F\u00e4lligkeit der zuk\u00fcnftigen Cashflows notwendig. N\u00e4here Details werden in Note 15h dargestellt. Der Verbrauch der R\u00fcckstellungen wird mit hoher Wahrscheinlichkeit in den kommenden Jahren erwartet Rechtsstreitigkeiten der 3 Banken mit der UniCredit Bank Austria AG und der CABO Beteiligungsgesellschaft m.b.H.: Die UniCredit Bank Austria AG und die CABO Beteiligungsgesellschaft m.b.H., die ein verbundenes Unternehmen der UniCredit Bank Austria AG darstellt, (gemeinsam kurz: \u201eUniCredit\u201c) haben in der Hauptversammlung der BTV im Mai 2019 den Antrag gestellt, eine Sonderpr\u00fcfung hinsichtlich s\u00e4mtlicher durch die BTV seit dem Jahr 1993 durchgef\u00fchrten Kapitalerh\u00f6hungen durchzuf\u00fchren. Dieser Antrag fand keine Zustimmung. Vor dem Hintergrund der Ablehnung dieses Beschlussantrags hat die UniCredit weiters im Juni 2019 vor dem Landesgericht Innsbruck einen gerichtlichen Antrag auf Bestellung eines Sonderpr\u00fcfers eingebracht. Der Antrag wurde sowohl in erster als auch in zweiter Instanz ab- bzw. zur\u00fcckgewiesen und der dagegen durch die UniCredit an den Obersten Gerichtshof erhobene au\u00dferordentliche Revisionsrekurs schlie\u00dflich mit Beschluss des Obersten Gerichtshofs vom 25.11.2020 zur\u00fcckgewiesen, sodass dieses Verfahren rechtskr\u00e4ftig abgeschlossen ist. Weiters hat die UniCredit im Juni 2019 vor dem Landesgericht Innsbruck eine Klage auf Anfechtung einzelner Beschl\u00fcsse der 101. ordentlichen Hauptversammlung der BTV vom 16.05.2019 erhoben. Mit Beschluss vom 19.01.2020 hat das Landesgericht Innsbruck das Verfahren zur Kl\u00e4rung einer Vorfrage durch die \u00dcbernahmekommission unterbrochen. Diese Klage wurde unter Anspruchsverzicht der UniCredit zur\u00fcckgezogen und das Verfahren somit am 18.06.2024 mit Beschluss des Landesgerichts Innsbruck beendet. Am 09.07.2020 hat die UniCredit vor dem Landesgericht Innsbruck eine Klage auf Anfechtung einzelner Beschl\u00fcsse der  102. ordentlichen Hauptversammlung der BTV vom 10.06.2020 erhoben. Mit Beschluss vom 06.07.2021 hat das Landes- gericht Innsbruck das Verfahren ebenfalls zur Kl\u00e4rung von Vorfragen durch die \u00dcbernahmekommission unterbrochen. Diese Klage wurde unter Anspruchsverzicht der UniCredit zur\u00fcckgezogen und das Verfahren somit am 18.06.2024 mit Beschluss  des Landesgerichts Innsbruck beendet. Am 09.06.2022 hat die UniCredit vor dem Landesgericht Innsbruck eine Klage auf Anfechtung einzelner Beschl\u00fcsse der  104. ordentlichen Hauptversammlung der BTV vom 11.05.2022 erhoben. Das Landesgericht Innsbruck hat bereits in der am 17.10.2022 stattgefunden habenden vorbereitenden Tagsatzung das Verfahren erster Instanz wegen Spruchreife geschlossen, das Urteil ist am 05.01.2023 schriftlich ergangen. Sowohl die Wiederwahl von Mag. Hannes Bogner auf eine Dauer bis zur ordentlichen Hauptversammlung 2023 in den Aufsichtsrat der BTV als auch die Ablehnung der Wiederwahl von Mag. Bogner auf die gesetzliche H\u00f6chstdauer wurden jeweils f\u00fcr nichtig erkl\u00e4rt. Das Klagebegehren der UniCredit auf positive Feststellung des Beschlusses, dass Mag. Bogner als auf die gesetzliche H\u00f6chstdauer wiedergew\u00e4hlt gilt, wurde hingegen abgewiesen. Die BTV hat fristgerecht gegen die Spruchpunkte 1. und 2. des Urteils Berufung an das Oberlandesgericht Innsbruck erhoben,  die UniCredit gegen Spruchpunkt 3. \u2013 das Oberlandesgericht Innsbruck hat mit Urteil vom 26.04.2023 die Entscheidung des Landesgerichts Innsbruck in den Spruchpunkten 1. und 3. best\u00e4tigt und hinsichtlich des Spruchpunktes 2. das Klagebegehren abgewiesen und die ordentliche Revision an den Obersten Gerichtshof f\u00fcr nicht zul\u00e4ssig erkl\u00e4rt. Keine der Parteien hat au\u00dfer- ordentliche Revision an den Obersten Gerichtshof erhoben, sodass dieses Verfahren rechtskr\u00e4ftig abgeschlossen ist. Die UniCredit hat Ende Februar 2020 bei der \u00dcbernahmekommission Antr\u00e4ge gestellt, mit denen \u00fcberpr\u00fcft werden sollte, ob die bei den 3 Banken bestehenden Aktion\u00e4rssyndikate eine \u00fcbernahmerechtliche Angebotspflicht verletzt h\u00e4tten. Die BTV war von diesen Verfahren als Mitglied der Syndikate bei der Oberbank AG und bei der BKS Bank AG unmittelbar betroffen. Die UniCredit erhob den Einwand, dass sich die Zusammensetzung und Willensbildung der Syndikate ver\u00e4ndert sowie diese insgesamt seit dem Jahr 2003 ihr Stimmgewicht in \u00fcbernahmerechtlich relevanter Weise ausgebaut h\u00e4tten und dadurch eine Angebotspflicht ausgel\u00f6st worden w\u00e4re. Im Zeitraum vom 28.09.2020 bis 01.10.2020 hat vor der \u00dcbernahmekommission das Beweisverfahren in diesen Nachpr\u00fcfungsverfahren stattgefunden. Die Entscheidung der \u00dcbernahmekommission ist am 03.11.2023 ergangen. Darin ist die \u00dcbernahmekommission zum Schluss gelangt, dass in keinem Fall eine Verletzung der \u00fcber- nahmerechtlichen Angebotspflicht vorlag. Den Antr\u00e4gen der UniCredit wurde daher nicht stattgegeben. Die UniCredit hat am 17.11.2023 fristgerecht Rekurs gegen die Entscheidung erhoben, die BTV am 05.12.2023 fristgerecht Rekursbeantwortung erstattet. Mit Beschl\u00fcssen vom 23.05.2024 hat das Oberlandesgericht Wien entschieden, dass den Rekursen der UniCredit nicht stattgegeben wird und dass somit keine Verletzung der \u00fcbernahmerechtlichen Angebotspflicht durch die BTV und  betreffend die BTV vorlag. Das Oberlandesgericht Wien best\u00e4tigt damit die Entscheidungen der \u00dcbernahmekommission und folgt dem Vorbringen der BTV. Da die UniCredit auf die Erhebung von Rechtsmitteln verzichtet hat, ist dieses Urteil rechtskr\u00e4ftig. Am 25.06.2021 hat die UniCredit gegen die BTV eine Klage auf Unterlassung und Feststellung vor dem Landesgericht Innsbruck eingebracht, deren Ziel es zusammengefasst war, auf Basis von im Gesetz nicht vorgesehenen Voraussetzungen und von den Gerichten bereits verworfenen Rechtsansichten bestimmte bisherige Kapitalerh\u00f6hungen der BTV f\u00fcr nichtig zu erkl\u00e4ren und  die rechtliche Zul\u00e4ssigkeit k\u00fcnftiger Kapitalerh\u00f6hungen von der Entsprechung dieser abh\u00e4ngig zu machen. Das Landesgericht Innsbruck hat bereits in der am 21.10.2021 stattgefunden habenden vorbereitenden Tagsatzung das Verfahren erster Instanz wegen Spruchreife geschlossen. Mit Urteil vom 12.12.2021 hat das Landesgericht Innsbruck die Klage in vollem Umfang abge- wiesen, mit Urteil vom 02.06.2022 hat das Oberlandesgericht Innsbruck die Berufung der UniCredit in vollem Umfang abgewie- sen \u2013 die UniCredit hat dagegen ordentliche Revision erhoben. Die Entscheidung des Obersten Gerichtshofs ist am 18.08.2023 ergangen. Der Oberste Gerichtshof hat in seiner Entscheidung s\u00e4mtliche Klagebegehren der UniCredit abgewiesen und ist insbesondere zum Schluss gelangt, dass die gesellschaftsrechtliche Struktur der 3 Banken rechtm\u00e4\u00dfig ist und alle bisher von den 3 Banken durchgef\u00fchrten Kapitalerh\u00f6hungen im Einklang mit dem Gesetz standen. Dieses Verfahren ist damit rechtskr\u00e4ftig abgeschlossen. Im selben Verfahren hat die UniCredit einen Antrag auf einstweilige Verf\u00fcgung auf Unterlassung der Kapital- erh\u00f6hung der BTV des Jahres 2022 eingebracht. Dieser Antrag wurde vom Landesgericht Innsbruck rechtskr\u00e4ftig abgewiesen. Zusammenfassend kann festgehalten werden, dass s\u00e4mtliche oben angef\u00fchrten Verfahren nunmehr endg\u00fcltig abgeschlossen wurden und aktuell somit keine gerichtlichen Auseinandersetzungen mit der UniCredit mehr anh\u00e4ngig sind. Ertragsteuern Laufende Steueranspr\u00fcche und -schulden f\u00fcr das Berichtsjahr und fr\u00fchere Perioden werden mit jenem Betrag angesetzt, in dessen H\u00f6he eine Erstattung der oder eine Zahlung an die Steuerbeh\u00f6rde erwartet wird. Die BTV und ihre Tochterunternehmen unterliegen regelm\u00e4\u00dfigen Steuerpr\u00fcfungen von Finanzbeh\u00f6rden mit m\u00f6glichen Feststellungen. Latente Steuern Aktive latente Steuern werden f\u00fcr steuerlich verwertbare tempor\u00e4re Differenzen gebildet. Hierf\u00fcr wird vorausgesetzt, dass in Zukunft ein zu versteuerndes Ergebnis zur Verrechnung mit den Verlusten zur Verf\u00fcgung steht. Ermessensentscheidungen und Sch\u00e4tzungen sind erforderlich, um auf Basis des zuk\u00fcnftigen zu versteuernden Gewinns sowie zuk\u00fcnftiger Steuerplanungen festzustellen, in welcher H\u00f6he aktive latente Steuern anzusetzen sind. Angaben zu latenten Steuern finden sich in der Note 9a . Aktuelle Entwicklungen mit Bezug auf die Ermittlung der erwarteten Kreditverluste Gem\u00e4\u00df der aktuellen BTV Marktmeinung leidet die deutsche Industrie weiterhin stark unter strukturellen Problemen. Die Rezession hat sich zuletzt verst\u00e4rkt und die wirtschaftlichen Prognosen wurden zur\u00fcckgenommen \u2013 ein Aufschwung ist weiter- hin nicht in Sicht. Die von Donald Trump angedrohten Handelsz\u00f6lle der USA gegen\u00fcber ihren Handelspartnern sowie die politische Instabilit\u00e4t sowohl in der Weltpolitik als auch im Marktgebiet der BTV gelten als weitere Risikofaktoren. Die Ver- flechtungen mit Deutschlands Industrie belasten auch \u00d6sterreich, wobei der Tourismus die Wirtschaft im Kernmarkt der  BTV unterst\u00fctzt. Fiskalpolitische Ma\u00dfnahmen sowie ein ausgelasteter Arbeitsmarkt unterst\u00fctzen Konsum und Investitionen. Im Vergleich zum 31.12.2023 haben sich die Wertberichtigungen und die R\u00fcckstellungen f\u00fcr freie Rahmen und Garantien um rund +31,0 Mio. \u20ac erh\u00f6ht. Diese Zunahme der Risikovorsorge setzt sich aus einer Erh\u00f6hung um rund +41,5 Mio. \u20ac in Stufe 3 und einer Verringerung um rund \u221210,5 Mio. \u20ac in Stufe 1 und 2 zusammen. Die Ver\u00e4nderung der Risikovorsorge in Stufe 1 und Stufe 2 im Vergleich zum 31.12.2023 resultiert prim\u00e4r aus der Verringerung der R\u00fcckstellung f\u00fcr die ALGAR-Garantien um \u221221,5 Mio. \u20ac bzw. einer Erh\u00f6hung der Risikovorsorge in Stufe 1 und Stufe 2 um +11,0 Mio. \u20ac. Zus\u00e4tzlich haben sich im Vergleich zum 31.12.2023 die im Rahmen der Stufenzuweisung zur Anwendung kommenden Regeln ge\u00e4ndert. Seit dem 31.12.2024 wird der Collective-Staging-Ansatz f\u00fcr die Wirtschaftszweige bzw. Branchen Automotive, Immobilienprojektfinanzierungen in Zweckgesellschaften, Maschinenbau und Sachg\u00fctererzeugung nicht mehr angewendet. Stattdessen wird ein Overlay-Ansatz f\u00fcr betroffene Unternehmen in den Branchen Automotive, Bauwirtschaft, Maschinenbau, Realit\u00e4tenwesen und Sachg\u00fctererzeugung eingesetzt. Dabei wird ein erwarteter Ertragsr\u00fcckgang f\u00fcr die identifizierten Kund*innen simuliert und als Resultat werden diese als gef\u00e4hrdet bzw. nicht gef\u00e4hrdet eingestuft. F\u00fcr die gef\u00e4hrdeten Kund*innen wird ein Ratingshift angenommen und der dadurch erwartete Kreditausfallverlust berechnet. Die Summe der  auf Kundenebene gr\u00f6\u00dften 20 Ver\u00e4nderungen ergibt den Overlay, der auf die betroffenen Kund*innen bzw. deren Gesch\u00e4fte r\u00fcckverteilt wird. Der Overlay-Ansatz wird als Top-down-Ansatz angewendet: Gesch\u00e4fte von Kund*innen, die als gef\u00e4hrdet eingestuft wurden und einen Overlay erhalten, werden in Stufe 2 gef\u00fchrt. Der mit 31.12.2023 eingef\u00fchrte Overlay f\u00fcr Immobili- en-Entwicklungsprojekte, die nicht \u00fcber ausreichend langfristig gesicherte Liquidit\u00e4t verf\u00fcgen, wird beibehalten. Die H\u00f6he dieses Overlays entspricht dem Sechsfachen der (modellbasierten) erwarteten Kreditausfallverluste. Zur ad\u00e4quaten Ber\u00fccksichtigung der derzeitigen Situation wurde weiterhin eine Modellkomponente unter Ber\u00fccksichtigung der zum Abschlussstichtag verf\u00fcgbaren Informationen \u00fcber die gegenw\u00e4rtigen Bedingungen und Prognosen k\u00fcnftiger wirtschaftli- cher Entwicklungen adjustiert. Bei der adjustierten Modellkomponente handelt es sich um die szenarioabh\u00e4ngigen Prognosen der Portfolioausfallraten f\u00fcr die Segmente Firmenkunden und Privatkunden. Diese werden zur Transformation der Through-the- Cycle- in Point-in-Time-Ausfallwahrscheinlichkeiten genutzt. Im Rahmen der aktuellen Situation werden die Erwartungen \u00fcber die zuk\u00fcnftigen Portfolioausfallraten qualitativ, unter Ber\u00fccksichtigung aktueller wirtschaftlicher Prognosen und der Eigenschaf- ten der historischen Ausfallratenzeitreihen, gebildet und direkt zur Transformation der Through-the-Cycle- in Point-in-Time- Ausfallwahrscheinlichkeiten genutzt. Grundlage f\u00fcr die qualitative Ermittlung der Portfolioausfallratenprognosen sind dabei aktuelle Prognosen zu verschiedenen makro\u00f6konomischen Faktoren (u. a. Entwicklung des Output-Gaps und des BIP, Arbeitslosenrate, Gesch\u00e4ftserwartungen) von verschiedenen Anbietern (u. a. OECD, EZB, WIFO, EIU) in Kombination mit den aktuellen Entwicklungen des Russland-Ukraine- Kriegs, des Nahost-Konflikts, der Energiepreise und von Inflations- und Zinserwartungen sowie unter Einbeziehung der Wirkung von staatlichen Stabilisierungsma\u00dfnahmen. Diese Faktoren werden umfassend analysiert, um darauf aufbauend deren Einfluss auf die zuk\u00fcnftigen Portfolioausfallraten zu bestimmen. Bei den drei Szenarien handelt es sich um ein Basisszenario, welches den erwarteten Verlauf der Portfolioausfallraten darstellt und mit 60 % gewichtet wurde, sowie jeweils ein Szenario f\u00fcr eine negative und eine positive Abweichung vom Basisszenario mit einer Gewichtung von jeweils 20 %. Somit wurde die Szenariogewichtung im Vergleich zum 31.12.2023 nicht ver\u00e4ndert. Die szenariobedingten Prognosen der Portfolioausfallraten wurden unter Ber\u00fcck- sichtigung dieser Gewichtung, welche mit erwarteten Eintrittswahrscheinlichkeiten korrespondiert, gebildet. Auf Basis der zum Abschlussstichtag verf\u00fcgbaren makro\u00f6konomischen Prognosen, welche auf eine herausfordernde wirtschaft- liche Umgebung hindeuten, und des aktuell niedrigen Niveaus der Ausfallraten ergibt sich eine Erwartung von zuk\u00fcnftig steigenden Portfolioausfallraten. Unter Ber\u00fccksichtigung dieser Aspekte haben sich die im Rahmen der ECL-Berechnung genutzten Point-in-Time-Ausfallwahrscheinlichkeiten im Vergleich zum Vorjahr leicht erh\u00f6ht. In allen drei Szenarien und in jedem Segment wird ein Anstieg der Portfolioausfallraten, in unterschiedlicher Intensit\u00e4t, in der n\u00e4heren Zukunft im Vergleich zum derzeitigen Stand der Portfolioausfallraten unterstellt. Folgende erwartete Entwicklungen liegen dem jeweiligen Szenario zugrunde, wobei die verschiedenen Szenarien auch die vorhandene Unsicherheit in Verbindung mit der erwarteten wirtschaftlichen Entwicklung und deren Wirkung auf die Portfolio- ausfallraten widerspiegeln: Basisszenario \u2022 Steigerung der Portfolioausfallraten im Vergleich zu 2024 \u2013 in Relation zur aktuellen Ratingverteilung wird eine Verschlechte- rung des Portfolios erwartet \u2022 Schwache internationale Konjunktur durch R\u00fcckgang bei Konsum und Investitionen \u2022 Inflation geht infolge einer Entspannung am Arbeitsmarkt weiter zur\u00fcck, aber Dynamik verlangsamt sich \u2022 Gut aufgestellte Unternehmen und private Haushalte verhindern tiefe Rezession \u2022 Geopolitische Unsicherheiten k\u00f6nnen Finanzmarktvolatilit\u00e4t zwischenzeitlich erh\u00f6hen \u2022 Keine kurzfristige L\u00f6sung des Russland-Ukraine- bzw. des Nahost-Konflikts \u2022 Nationale Unsicherheit durch hohes Budgetdefizit, negative Wachstumseffekte h\u00e4ngen von der H\u00f6he und  der konkreten Ausgestaltung der Konsolidierung ab Pessimistischeres (Down-)Szenario \u2022 Deutliche Steigerung der Portfolioausfallraten mit einer h\u00f6heren Dynamik der Ausfallereignisse als im Basisszenario \u2013  die beobachtbaren Ausfallzahlen liegen auf dem Niveau wie zum H\u00f6hepunkt der Euro-Krise und reduzieren sich \u00fcber  die n\u00e4chsten 5 Jahre zu den erwarteten langfristigen Portfolioausfallraten \u2022 Weitere Eskalation der Kriege in der Ukraine bzw. im Nahen Osten \u2022 Globale Fronten verh\u00e4rten sich und f\u00fchren zu einer fortschreitenden Deglobalisierung und zur Einf\u00fchrung von weiteren Importz\u00f6llen durch die USA \u2022 Budgetkonsolidierung in \u00d6sterreich belastet Konsum und Investitionen Optimistischeres (Up-)Szenario \u2022 Deutlich geringere Steigerung der Portfolioausfallraten, Entwicklung hin zu den langfristigen mittleren Portfolioausfallraten \u2022 Kein Ende, aber Auflockerung der geopolitischen Spannungen \u2022 Produktivit\u00e4tszugewinne f\u00fchren zu Inflationsr\u00fcckg\u00e4ngen und erh\u00f6hen Wirtschaftswachstum \u2022 Inflation geht weiter zur\u00fcck und erlaubt weitere Zinssenkungen \u2022 R\u00fcckgang der Sparquote auf den historischen Durchschnitt und dadurch erh\u00f6hter Konsum Die erwarteten makro\u00f6konomischen Entwicklungen f\u00fchren in allen drei Szenarien zu einem Anstieg der Portfolioausfallraten im Vergleich zu den \u00fcber die letzten Jahre eingetretenen Ausfallraten. Im Basisszenario wird eine Steigerung der Portfolioausfallra- ten \u00fcber die n\u00e4chsten zwei Jahre unterstellt, die ihren H\u00f6hepunkt Ende 2025, Anfang 2026 erreichen sollte. In den darauffolgen- den Jahren wird eine sich verbessernde Situation der Ausfallraten unterstellt, welche sich damit den langfristig erwarteten mittleren Portfolioausfallraten ann\u00e4hern. W\u00e4hrend im pessimistischen Szenario eine signifikant h\u00f6here Dynamik der Ausfaller- eignisse mit einer erh\u00f6hten Anzahl an Ausfallereignissen als im Basisszenario unterstellt wird, entwickeln sich die erwarteten Portfolioausfallraten im optimistischen Szenario deutlich schneller zur\u00fcck zu den langfristigen Portfolioausfallraten, welche nur kurzfristig \u00fcberschritten werden. Die segmentspezifischen LGD-Parameter f\u00fcr unbesichertes Exposure (Blanko-LGD) liegen wie zum 31.12.2023 zwischen Werten von 45 % bis 53 %. Im Jahr 2024 wurde eine Aktualisierung der Sch\u00e4tzung der LGD-Parameter f\u00fcr die Segmente Firmen- kunden und Privatkunden durchgef\u00fchrt, diese f\u00fchrte zu keiner \u00c4nderung des Blanko-LGD im Segment Firmenkunden bzw. zu einer Verringerung des Blanko-LGD im Segment Privatkunden von 50 % auf 47 %.  Dar\u00fcber hinaus wurden die Ratingmigrationsmatrizen aktualisiert. Die folgende Tabelle stellt Sensitivit\u00e4ten der gebildeten Risikovorsorge in Stufe 1 und Stufe 2, getrennt nach Wertberichtigun- gen f\u00fcr das Kreditgesch\u00e4ft und R\u00fcckstellungen f\u00fcr nicht ausgen\u00fctzte Rahmen sowie f\u00fcr Garantien, dar. Neben den der ECL- Berechnung zugrunde liegenden Szenarien in Einzelbetrachtung zeigt die Tabelle dar\u00fcber hinaus den Einfluss einer ECL-Berech- nung ohne die Verwendung von Forward-Looking Information, den Effekt bei einer Betrachtung aller Gesch\u00e4fte nur in Stufe 1 bzw. nur in Stufe 2, den Effekt durch die Anwendung des Overlay-Ansatzes auf Basis von Branchenzugeh\u00f6rigkeiten sowie die resultierenden Risikovorsorgen bei durchg\u00e4ngiger Verwendung von unterschiedlichen Blanko-LGD-Parametern. Im Rahmen der Sensitivit\u00e4tsanalyse ist die H\u00f6he der R\u00fcckstellung in Verbindung mit ALGAR-Garantien konstant. Die ersten beiden Wertespalten zeigen den Effekt in Stufe 1 und Stufe 2, wobei ein positives Vorzeichen einer Erh\u00f6hung der Risikovorsorge entspricht und ein negatives Vorzeichen einer Reduktion der Risikovorsorge. Die dritte Spalte entspricht der Summe dieses Effekts und die vierte Spalte der daraus resultierenden Risikovorsorge f\u00fcr die jeweilige Sensitivit\u00e4t. Sensitivit\u00e4t der Risikovorsorge  in Stufe 1 und Stufe 2 in Tsd. \u20ac Stufe 1 Stufe 2 Stufe 1 + Stufe 2 Gesamt Gesamt 24.631 68.616 93.246 93.246 Nach Szenario Basisszenario \u2212986 \u2212662 \u22121.648 91.599 Negatives Szenario +6.711 +5.898 +12.609 105.855 Positives Szenario \u22123.754 \u22123.911 \u22127.665 85.581 ECL-Berechnung ohne FLI-Anpassungen der PDs ohne Skalierung \u22124.800 \u22125.511 \u221210.312 82.935 Skalierung auf langfristige Portfolioausfallraten \u22127.044 \u22128.397 \u221215.441 77.806 Kein Staging Alle Gesch\u00e4fte in Stufe 1 +52.441 \u221268.616 \u221216.175 77.072 Alle Gesch\u00e4fte in Stufe 2 \u221224.631 +80.854 +56.224 149.470 Kein Overlay +6.094 \u221243.073 \u221236.979 56.267 Parameter Verlustquote bei Ausfall  (Blanko-LGD) auf unbesichertes Exposure 35 % \u22128.497 \u22129.582 \u221218.079 75.167 65 % +5.976 +6.770 +12.746 105.992 Wertberichtigungen Kreditgesch\u00e4ft 13.245 39.934 53.178 53.178 Nach Szenario Basisszenario \u2212515 \u2212449 \u2212964 52.214 Negatives Szenario +3.680 +3.965 +7.646 60.824 Positives Szenario \u22122.015 \u22122.721 \u22124.737 48.441 ECL-Berechnung ohne FLI-Anpassungen der PDs ohne Skalierung \u22122.592 \u22123.438 \u22126.030 47.148 Skalierung auf langfristige Portfolioausfallraten \u22123.800 \u22125.607 \u22129.407 43.771 Kein Staging Alle Gesch\u00e4fte in Stufe 1 +27.459 \u221239.934 \u221212.475 40.704 Alle Gesch\u00e4fte in Stufe 2 \u221213.245 +49.634 +36.389 89.568 Kein Overlay +3.759 \u221228.624 \u221224.865 28.314 Parameter Verlustquote bei Ausfall  (Blanko-LGD) auf unbesichertes Exposure 35 % \u22124.595 \u22126.683 \u221211.278 41.900 65 % +3.383 +4.783 +8.167 61.345 R\u00fcckstellungen nicht ausgen\u00fctzte Rahmen 8.298 13.174 21.471 21.471 Nach Szenario Basisszenario \u2212349 \u2212119 \u2212468 21.004 Negatives Szenario +2.200 +1.207 +3.407 24.878 Positives Szenario \u22121.273 \u2212747 \u22122.020 19.451 ECL-Berechnung ohne FLI-Anpassungen der PDs ohne Skalierung \u22121.604 \u22121.411 \u22123.015 18.456 Skalierung auf langfristige Portfolioausfallraten \u22122.347 \u22122.005 \u22124.352 17.119 Kein Staging Alle Gesch\u00e4fte in Stufe 1 +10.379 \u221213.174 \u22122.794 18.677 Alle Gesch\u00e4fte in Stufe 2 \u22128.298 +25.389 +17.091 38.563 Kein Overlay +1.632 \u221210.427 \u22128.794 12.677 Parameter Verlustquote bei Ausfall  (Blanko-LGD) auf unbesichertes Exposure 35 % \u22122.854 \u22121.825 \u22124.680 16.792 65 % +1.891 +1.270 +3.160 24.632 R\u00fcckstellungen Garantien 3.088 15.508 18.597 18.597 Nach Szenario Basisszenario \u2212122 \u221294 \u2212216 18.381 Negatives Szenario +831 +725 +1.556 20.153 Positives Szenario \u2212466 \u2212442 \u2212909 17.688 ECL-Berechnung ohne FLI-Anpassungen der PDs ohne Skalierung \u2212604 \u2212662 \u22121.267 17.330 Skalierung auf langfristige Portfolioausfallraten \u2212896 \u2212785 \u22121.681 16.915 Kein Staging Alle Gesch\u00e4fte in Stufe 1 +14.603 \u221215.508 \u2212906 17.691 Alle Gesch\u00e4fte in Stufe 2 \u22123.088 +5.831 +2.743 21.340 Kein Overlay +703 \u22124.023 \u22123.320 15.277 Parameter Verlustquote bei Ausfall  (Blanko-LGD) auf unbesichertes Exposure 35 % \u22121.047 \u22121.074 \u22122.121 16.475 65 % +702 +717 +1.419 20.016 Weitere Informationen zur Sch\u00e4tzung der erwarteten Kreditverluste sind in den Bilanzierungs- und Bewertungsgrunds\u00e4tzen ab Seite 304 und in den entsprechenden Anhangsangaben ab Seite 335 beschrieben. Dar\u00fcber hinaus befinden sich im Risikobericht ab Seite 373 weitere Darstellungen zur Risikosituation der BTV. Aufgrund von ge\u00e4nderten Zahlungspl\u00e4nen kann es zu einem Barwertverlust bzw. -gewinn des einzelnen Kreditvertrages kommen, der in der Regel mit einer einmaligen Anpassung des Bruttobuchwerts als unwesentliche Modifikation dieses Vertrages in der Ge- winn- und Verlustrechnung der BTV erfasst wird. Im Jahr 2024 wurden diesbez\u00fcglich +352 Tsd. \u20ac (Vorjahr: \u2212208 Tsd. \u20ac) im Konzern- ergebnis ber\u00fccksichtigt. Weitere Details zur Sch\u00e4tzung der erwarteten Kreditverluste sind in den Bilanzierungs- und Bewertungsgrunds\u00e4tzen ab Seite 304 beschrieben",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-565": {
   "value": "Ermessensentscheidungen, <span class=\"_ _2\"></span>Annahmen, Sc<span class=\"_ _2\"></span>h\u00e4tzungen<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n von E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ungen sowie <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>von Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>mit ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Unsic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>n in zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>n zu z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e An<span class=\"_ _2\"></span>passung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>te in der <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nz not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>mac<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d An<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ie P<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d na<span class=\"_ _2\"></span>ch h<span class=\"_ _2\"></span>eutig<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>wah<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hein<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, a<span class=\"_ _2\"></span>ussage<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz- un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gsl<span class=\"_ _2\"></span>age des U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns zu <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r di<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikolag<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzern<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ric<span class=\"_ _2\"></span>ht (ab Seite <span class=\"_ _2\"></span>373) ver<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>esentliche <span class=\"_ _2\"></span>Ermessensent<span class=\"_ _2\"></span>scheidungen<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hfo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>d werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Erme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, die d<span class=\"_ _2\"></span>as M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie die Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge im <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Sch\u00e4tzunsicherheiten<span class=\"_ _39f\"> </span>Die w<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>nahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>a\u00dfgebl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Q<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en von <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zunsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>im W<span class=\"_ _4\"></span>esentlichen v<span class=\"_ _9\"></span>on folgend<span class=\"_ _9\"></span>en Sachv<span class=\"_ _9\"></span>erhalten<span class=\"_ _9\"></span> betrof<span class=\"_ _2\"></span>fen:<span class=\"_ _39f\"> </span>Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Finanzinstrumenten<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>ann d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nde Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von D<span class=\"_ _2\"></span>aten eine<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ab<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>itet <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d er <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wendu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>schi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie I<span class=\"_ _2\"></span>nput-<span class=\"_ _39f\"> </span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Mod<span class=\"_ _2\"></span>ellb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soweit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, von <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tda<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leit<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die z<span class=\"_ _2\"></span>um Fa<span class=\"_ _2\"></span>ir Value au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>shie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>Fair Value zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Hier<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>chie <span class=\"_ _2\"></span>spieg<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>putd<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>wid<span class=\"_ _2\"></span>er un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t gegliedert:<span class=\"_ _39f\"> </span>Notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Prei<span class=\"_ _2\"></span>se in ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ven M\u00e4rk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n (Level 1<span class=\"_ _4\"></span>):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>th\u00e4l<span class=\"_ _2\"></span>t an <span class=\"_ _2\"></span>wich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B\u00f6<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>l, U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>uldti<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anle<span class=\"_ _2\"></span>ihen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Fair Value von in <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>reise <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>von r<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>m\u00e4\u00dfig s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>muss <span class=\"_ _2\"></span>kum<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>iv f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>te sin<span class=\"_ _2\"></span>d hom<span class=\"_ _2\"></span>ogen<span class=\"_ _2\"></span>, </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>swi<span class=\"_ _2\"></span>llige K<span class=\"_ _3\"></span>\u00e4ufe<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>d Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>r k\u00f6nn<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>. d<span class=\"_ _2\"></span>. R<span class=\"_ _3\"></span>. je<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Preise <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r \u00d6<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgung<span class=\"_ _2\"></span>.</span><span class=\"ls2 ws1\"> </span>Ein F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>anges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn n<span class=\"_ _2\"></span>otie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>ise l<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lm\u00e4\u00dfig <span class=\"_ _2\"></span>von ei<span class=\"_ _2\"></span>ner B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>H\u00e4n<span class=\"_ _2\"></span>dler <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>roker, einer <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>cheng<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>is-<span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ice<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Age<span class=\"_ _2\"></span>ntur <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bar sind u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>ese P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>se t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>s\u00e4c<span class=\"_ _2\"></span>hlich<span class=\"_ _2\"></span>e un<span class=\"_ _2\"></span>d sich <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfig er<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>rep<span class=\"_ _2\"></span>r\u00e4s<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>chtba<span class=\"_ _2\"></span>rer Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>eter (<span class=\"_ _2\"></span>Level 2):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>die OTC-<span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>kontr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value kl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Schul<span class=\"_ _2\"></span>dti<span class=\"_ _2\"></span>tel d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r nicht be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htbare<span class=\"_ _2\"></span>r Par<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er (Level 3): Die F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nput<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>auf, die <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Zuordn<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>vel<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eilung<span class=\"_ _3\"></span>, in<span class=\"_ _2\"></span>sbes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re wenn d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung s<span class=\"_ _2\"></span>owohl au<span class=\"_ _2\"></span>f b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h auf <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ruh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h unt<span class=\"_ _2\"></span>er Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>von \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h von <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>ntes <span class=\"_ _2\"></span>im Zeitablauf \u00e4nder<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>air Value <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren angewandt:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value lei<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B\u00f6<span class=\"_ _2\"></span>rse <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ionsp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>eha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hod<span class=\"_ _2\"></span>e bewe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ute<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig pr<span class=\"_ _2\"></span>ojizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>gee<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Fair Value zu e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>teln<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie D<span class=\"_ _2\"></span>iskont<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n sowoh<span class=\"_ _2\"></span>l die <span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kolose <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tau<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>chl\u00e4<span class=\"_ _2\"></span>ge (Credit Spre<span class=\"_ _2\"></span>ads), welche <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>angig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t des <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve zur <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>tet dabe<span class=\"_ _2\"></span>i am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>pot-, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds r<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>et si<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m 3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>1<span class=\"_ _4\"></span>)  E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ihe g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>anges <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Res<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wi<span class=\"_ _2\"></span>rd die<span class=\"_ _2\"></span>ser Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>2) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>kein<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are <span class=\"_ _2\"></span>am Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>te A<span class=\"_ _2\"></span>nlei<span class=\"_ _2\"></span>he, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t Swap <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>(CDS-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>) mit \u00e4hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wede<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbare <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>Anle<span class=\"_ _2\"></span>ihe <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv g<span class=\"_ _2\"></span>ehan<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>ter CD<span class=\"_ _2\"></span>S, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schl<span class=\"_ _2\"></span>ag ei<span class=\"_ _2\"></span>nes ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbar<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t (L<span class=\"_ _2\"></span>evel 3). <span class=\"_ _2\"></span>Zur<span class=\"_ _2\"></span>zeit g<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Anwe<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll im <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Stu<span class=\"_ _2\"></span>fe 3 <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t allge<span class=\"_ _2\"></span>mein <span class=\"_ _2\"></span>ane<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wesentl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Eing<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>spar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z sow<span class=\"_ _2\"></span>ie lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgr\u00f6<span class=\"_ _2\"></span>\u00dfen <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e Ke<span class=\"_ _2\"></span>nntn<span class=\"_ _2\"></span>isse der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>missio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>vel 2 <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mission<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>l am <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h vi<span class=\"_ _2\"></span>elme<span class=\"_ _2\"></span>hr um <span class=\"_ _2\"></span>Ret<span class=\"_ _2\"></span>ail<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Emi<span class=\"_ _2\"></span>ssione<span class=\"_ _2\"></span>n und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>plat<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t so<span class=\"_ _2\"></span>mit mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>es D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cash<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>sem liege<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>eldm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Swapzins<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>asie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>e Zi<span class=\"_ _2\"></span>nsk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>und K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>l\u00e4ge <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zug<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m Leve<span class=\"_ _2\"></span>l 2 z<span class=\"_ _2\"></span>ugeor<span class=\"_ _2\"></span>dnet<span class=\"_ _3\"></span>. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmen <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2 Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>mit s<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l sowi<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>mit a<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>m Aus<span class=\"_ _2\"></span>zahl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>profi<span class=\"_ _2\"></span>l. <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it s<span class=\"_ _2\"></span>ym<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>risc<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Ausz<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofil <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhalt<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate (<span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ps und Zins<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>) und Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sde<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>(F<span class=\"_ _2\"></span>X Sw<span class=\"_ _2\"></span>aps, <span class=\"_ _2\"></span>Cross <span class=\"_ _2\"></span>Curre<span class=\"_ _2\"></span>nc<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>Swaps u<span class=\"_ _2\"></span>nd F<span class=\"_ _2\"></span>X-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>igh<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te). Die<span class=\"_ _2\"></span>se Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd a<span class=\"_ _2\"></span>uf am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>ss\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>-Zinss\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>, Swaps<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>sspre<span class=\"_ _2\"></span>ads <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it as<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sder<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>(Caps und <span class=\"_ _2\"></span>Flo<span class=\"_ _2\"></span>ors). Die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des F<span class=\"_ _2\"></span>air Values er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t h<span class=\"_ _2\"></span>ier m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lack-7<span class=\"_ _4\"></span>6<span class=\"_ _3\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>prei<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inpu<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wede<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar <span class=\"_ _2\"></span>(Geldma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze, <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ture<span class=\"_ _2\"></span>s-Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze sow<span class=\"_ _2\"></span>ie Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze) oder <span class=\"_ _2\"></span>von am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren abgeleitet (implizite von Optionspreisen abgele<span class=\"_ _2\"></span>itete Cap/Floor<span class=\"_ _4\"></span>-V<span class=\"_ _9\"></span>olatilit\u00e4ten<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3 Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tels e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Dis<span class=\"_ _2\"></span>counte<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low-Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>ns bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zuk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Di<span class=\"_ _2\"></span>skontk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve wir<span class=\"_ _2\"></span>d dab<span class=\"_ _2\"></span>ei u<span class=\"_ _2\"></span>m ein <span class=\"_ _2\"></span>Epsil<span class=\"_ _2\"></span>on e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s so <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>libr<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t wir<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass d<span class=\"_ _2\"></span>as G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t zum Init<span class=\"_ _2\"></span>ialis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nom<span class=\"_ _2\"></span>inal<span class=\"_ _2\"></span>e en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n/-verlus<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>auf diese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>arc<span class=\"_ _2\"></span>hie un<span class=\"_ _2\"></span>d Fa<span class=\"_ _2\"></span>ir Values <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>otes <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d 36<span class=\"_ _2\"></span>a n\u00e4<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00e4ute<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen <span class=\"_ _2\"></span>im Ausleihungsgesch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sorg<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n hins<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>die Zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er Qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Zus\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>es f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wand<span class=\"_ _2\"></span>es an <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>n\u00f6tig<span class=\"_ _3\"></span>, di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he und d<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>hflows <span class=\"_ _2\"></span>zu s<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te (<span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en einzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellb<span class=\"_ _2\"></span>ar sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>gebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndet<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>zu bem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e um z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b sic<span class=\"_ _2\"></span>h da<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant erh<span class=\"_ _2\"></span>\u00f6ht h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd um <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>in fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r mit <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>int<span class=\"_ _2\"></span>r\u00e4c<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Boni<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>im T<span class=\"_ _9\"></span>eil \u201e<span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _2\"></span>\u201c <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _2\"></span>9 n<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Lang<span class=\"_ _3\"></span>fris<span class=\"_ _2\"></span>tige Personalr\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellungen La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls ver<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smat<span class=\"_ _2\"></span>hema<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>the<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>zu D<span class=\"_ _2\"></span>iskont<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z, <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, Ste<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it und k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Pens<span class=\"_ _2\"></span>ionsa<span class=\"_ _2\"></span>nheb<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstige R\u00fcck<span class=\"_ _2\"></span>stellungen Die Bi<span class=\"_ _2\"></span>ldung von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t eine Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, inwiewe<span class=\"_ _2\"></span>it das U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>nen Er<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n eine Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ten hat<span class=\"_ _3\"></span>. Zude<span class=\"_ _2\"></span>m sind be<span class=\"_ _2\"></span>i der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungen h<span class=\"_ _2\"></span>insic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h H\u00f6h<span class=\"_ _2\"></span>e und F\u00e4llig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der zu<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows not<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig. N<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>re De<span class=\"_ _2\"></span>tai<span class=\"_ _2\"></span>ls werd<span class=\"_ _2\"></span>en in N<span class=\"_ _2\"></span>ote 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>h darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. Der Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en wird mi<span class=\"_ _2\"></span>t hohe<span class=\"_ _2\"></span>r Wahrsch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it in de<span class=\"_ _2\"></span>n komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Jah<span class=\"_ _2\"></span>ren e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Recht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>reitigkeite<span class=\"_ _2\"></span>n der 3 B<span class=\"_ _2\"></span>anken mit d<span class=\"_ _2\"></span>er Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Ban<span class=\"_ _2\"></span>k Aust<span class=\"_ _9\"></span>ria <span class=\"_ _9\"></span>A<span class=\"_ _4\"></span>G und <span class=\"_ _9\"></span>der <span class=\"_ _9\"></span>CABO <span class=\"_ _9\"></span>Beteili<span class=\"_ _9\"></span>gungsgese<span class=\"_ _9\"></span>llschaft m.b.H.<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k Aus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ia AG und <span class=\"_ _2\"></span>die C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>BO B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>ein ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Bank <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>a AG dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>(ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsam <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>: \u201e<span class=\"_ _2\"></span>UniC<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t\u201c) <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>im Ma<span class=\"_ _2\"></span>i 2019 den A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ei<span class=\"_ _2\"></span>ne So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>hinsic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h s<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r dur<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 1<span class=\"_ _9\"></span>993 durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6hunge<span class=\"_ _2\"></span>n durch<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>nd ke<span class=\"_ _2\"></span>ine Zu<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung. <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or de<span class=\"_ _2\"></span>m Hi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>antr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>t die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>im J<span class=\"_ _2\"></span>uni 2<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>9 vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag wur<span class=\"_ _2\"></span>de s<span class=\"_ _2\"></span>owohl in <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h in z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anz a<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>agege<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s sc<span class=\"_ _2\"></span>hlie\u00dfl<span class=\"_ _2\"></span>ich m<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>des O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>s vom <span class=\"_ _2\"></span>25.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sod<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ieses <span class=\"_ _2\"></span>Ver<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ossen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s h<span class=\"_ _2\"></span>at die <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>Juni <span class=\"_ _2\"></span>2019 vor dem L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00fcsse d<span class=\"_ _2\"></span>er 1<span class=\"_ _9\"></span>01<span class=\"_ _9\"></span>. orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vom 1<span class=\"_ _9\"></span>6.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss vom 19.01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 h<span class=\"_ _2\"></span>at d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>bro<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>r Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>uss d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts Innsbruck be<span class=\"_ _2\"></span>endet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>0 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>vor d<span class=\"_ _2\"></span>em L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k ein<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tung e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>02<span class=\"_ _2\"></span>. ord<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>amml<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>vom 10.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>vom 0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2021 ha<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s-<span class=\"ff2 ls2 ws1\"> </span>ger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls z<span class=\"_ _2\"></span>ur K<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n unt<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>roc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Klag<span class=\"_ _2\"></span>e wu<span class=\"_ _2\"></span>rde u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit z<span class=\"_ _2\"></span>ur\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>luss <span class=\"ff2 ls2 ws1\"> </span>des L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2022 h<span class=\"_ _2\"></span>at di<span class=\"_ _2\"></span>e Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it vor <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>La<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f An<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>zelne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>0<span class=\"_ _2\"></span>4. o<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>mmlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V vom <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>022 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>2 st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reite<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nz wege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ife <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, das U<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il is<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>m 05<span class=\"_ _2\"></span>.01.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>owohl d<span class=\"_ _2\"></span>ie Wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ahl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r auf <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Dau<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>is zur orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V al<span class=\"_ _2\"></span>s auc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Wie<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ner auf d<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n jewei<span class=\"_ _2\"></span>ls f<span class=\"_ _2\"></span>\u00fcr ni<span class=\"_ _2\"></span>chtig <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung des B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>gne<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tdau<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>lt g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e hing<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>te 1. und 2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ur<span class=\"_ _3\"></span>teils <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t 3<span class=\"_ _2\"></span>. \u2013 <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at mi<span class=\"_ _2\"></span>t Ur<span class=\"_ _3\"></span>teil <span class=\"_ _2\"></span>vom 26<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4.<span class=\"_ _3\"></span>2023 <span class=\"_ _2\"></span>die En<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idung d<span class=\"_ _2\"></span>es La<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en 1. und 3<span class=\"_ _2\"></span>. b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd hi<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>tes 2<span class=\"_ _3\"></span>. da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>bege<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>n abgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>zul\u00e4<span class=\"_ _2\"></span>ssig e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ke<span class=\"_ _2\"></span>ine d<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teien <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r-<span class=\"_ _39f\"> </span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>isio<span class=\"_ _2\"></span>n an d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>hof <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soda<span class=\"_ _2\"></span>ss die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>Feb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ar 2<span class=\"_ _2\"></span>020 be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekomm<span class=\"_ _2\"></span>ission <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>, ob die b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en 3 <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>\u00e4rss<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he A<span class=\"_ _2\"></span>ngeb<span class=\"_ _2\"></span>ots<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t h\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wa<span class=\"_ _2\"></span>r von die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>als M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lied <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Syndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Bank <span class=\"_ _2\"></span>AG unmit<span class=\"_ _3\"></span>telba<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>hob <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einwan<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung un<span class=\"_ _2\"></span>d Wi<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>sbild<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Synd<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>te ver<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t sowi<span class=\"_ _2\"></span>e die<span class=\"_ _2\"></span>se insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 20<span class=\"_ _3\"></span>03 ihr <span class=\"_ _2\"></span>Stimmg<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht in <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>ausgeb<span class=\"_ _2\"></span>aut h<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>eine Ange<span class=\"_ _2\"></span>bot<span class=\"_ _2\"></span>spfl<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>l\u00f6st <span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>. Im <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um vom <span class=\"_ _2\"></span>28<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>09.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 b<span class=\"_ _2\"></span>is 01.<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>0.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 ha<span class=\"_ _2\"></span>t vor d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Bewe<span class=\"_ _2\"></span>isve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>am 03.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>kommis<span class=\"_ _2\"></span>sion z<span class=\"_ _2\"></span>um Sc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in ke<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Fall <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nahme<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ang<span class=\"_ _2\"></span>ebot<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>lag. <span class=\"_ _2\"></span>Den <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>de da<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tgeg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V am 0<span class=\"_ _2\"></span>5.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2023 f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>gere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>ursb<span class=\"_ _2\"></span>ean<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse<span class=\"_ _2\"></span>n vom <span class=\"_ _2\"></span>23.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 hat <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Wie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t nicht <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t kei<span class=\"_ _2\"></span>ne Verle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ngebo<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span> bet<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>ag. Da<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht W<span class=\"_ _2\"></span>ien b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n und folg<span class=\"_ _3\"></span>t dem Vorbr<span class=\"_ _2\"></span>ingen d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>. Da die Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit au<span class=\"_ _2\"></span>f die Er<span class=\"_ _2\"></span>hebu<span class=\"_ _2\"></span>ng von Recht<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ln ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>tet ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, is<span class=\"_ _2\"></span>t diese<span class=\"_ _2\"></span>s Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Am 2<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2021 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>age a<span class=\"_ _2\"></span>uf U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung und <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ziel <span class=\"_ _2\"></span>es z<span class=\"_ _2\"></span>usam<span class=\"_ _2\"></span>menge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t wa<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is von <span class=\"_ _2\"></span>im G<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t vor<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>en Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d von <span class=\"_ _2\"></span>den Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s ver<span class=\"_ _3\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immte <span class=\"_ _2\"></span>bish<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ige K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fcr n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig zu e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d <span class=\"ff2 ls2 ws1\"> </span>die re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Zul\u00e4<span class=\"_ _2\"></span>ssigke<span class=\"_ _2\"></span>it k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hung di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngig <span class=\"_ _2\"></span>zu ma<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s in d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>am 21.<span class=\"_ _10\"></span>10.<span class=\"_ _2\"></span>2021 s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n T<span class=\"_ _9\"></span>agsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung da<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tanz wegen <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>fe g<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>losse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il vom <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>021 hat d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>vollem <span class=\"_ _2\"></span>Umf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ng abg<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wies<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil vo<span class=\"_ _2\"></span>m 02<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6.<span class=\"_ _3\"></span>2022 <span class=\"_ _2\"></span>hat d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ck di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>m Um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ang ab<span class=\"_ _2\"></span>gewie<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>\u2013 die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>dage<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Revisio<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sho<span class=\"_ _2\"></span>fs <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t am 18.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 erg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>shof <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>in se<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t insbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>zum S<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss ge<span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s die <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>rech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he St<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htm\u00e4<span class=\"_ _2\"></span>\u00dfig is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>r von <span class=\"_ _2\"></span>den 3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hungen <span class=\"_ _2\"></span>im Ei<span class=\"_ _2\"></span>nkl<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig abges<span class=\"_ _2\"></span>chlo<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m se<span class=\"_ _2\"></span>lben <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>nst<span class=\"_ _3\"></span>weilige <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lassu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>erh<span class=\"_ _2\"></span>\u00f6hung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>es J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s 2<span class=\"_ _2\"></span>022 eing<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag w<span class=\"_ _2\"></span>urde vo<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Zusam<span class=\"_ _2\"></span>menf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ssend <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass s<span class=\"_ _2\"></span>\u00e4mt<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en nu<span class=\"_ _2\"></span>nmeh<span class=\"_ _2\"></span>r en<span class=\"_ _2\"></span>dg\u00fcl<span class=\"_ _2\"></span>tig a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>nh\u00e4ng<span class=\"_ _2\"></span>ig sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>tragsteuern<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>r\u00fch<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it je<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag ang<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, in desse<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ode<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>hre T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>lm\u00e4\u00dfige<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Late<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>Steuer<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bare <span class=\"_ _2\"></span>temp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>\u00e4re D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>r wir<span class=\"_ _2\"></span>d vor<span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in Zukun<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ein z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis zu<span class=\"_ _2\"></span>r Verrec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgu<span class=\"_ _2\"></span>ng st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n und Sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inns <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive la<span class=\"_ _2\"></span>tent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>anzus<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>zu l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n fi<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er N<span class=\"_ _2\"></span>ote 9<span class=\"_ _2\"></span>a<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>tuelle Ent<span class=\"_ _2\"></span>wicklungen mit B<span class=\"_ _2\"></span>ezug auf die Ermit<span class=\"_ _2\"></span>tlung der er<span class=\"_ _3\"></span>war<span class=\"_ _2\"></span>teten K<span class=\"_ _2\"></span>redit<span class=\"_ _2\"></span>verluste<span class=\"_ _39f\"> </span>Gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>einung <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>ndus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ie wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ark <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oble<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Rezessio<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>zule<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>e wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nosen <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>\u2013 ein <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwung i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>hin ni<span class=\"_ _2\"></span>cht i<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie von <span class=\"_ _2\"></span>Dona<span class=\"_ _2\"></span>ld T<span class=\"_ _9\"></span>rump <span class=\"_ _2\"></span>angedr<span class=\"_ _2\"></span>ohte<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsz\u00f6lle <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r USA <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er i<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>spar<span class=\"_ _3\"></span>tne<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die poli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>abi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t sowoh<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eltp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ebie<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>als we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Ver<span class=\"_ _9\"></span>-<span class=\"ff2 ls2 ws1\"> </span>flec<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lands <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>dust<span class=\"_ _2\"></span>rie <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>\u00d6ste<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>tsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t im <span class=\"_ _2\"></span>Ke<span class=\"_ _2\"></span>rnm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>BT<span class=\"_ _3\"></span>V un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. F<span class=\"_ _2\"></span>isk<span class=\"_ _2\"></span>alp<span class=\"_ _2\"></span>oliti<span class=\"_ _2\"></span>sche <span class=\"_ _2\"></span>Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>smar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>sum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ha<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d G<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n um run<span class=\"_ _2\"></span>d +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,0 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6ht<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>se Zun<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hung <span class=\"_ _2\"></span>um r<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>+41<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 un<span class=\"_ _2\"></span>d eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung um <span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d \u2212<span class=\"_ _9\"></span>1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>5 Mi<span class=\"_ _2\"></span>o. \u20ac i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und 2 <span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>m\u00e4r a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Verri<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>LGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>m \u2212<span class=\"_ _4\"></span>21<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>5 Mio. <span class=\"_ _2\"></span>\u20ac bzw. ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 2 um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1,0 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zus\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>ich h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 die <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>eln ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Se<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>em 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 wird <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Colle<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>tive<span class=\"_ _3\"></span>-Sta<span class=\"_ _2\"></span>ging<span class=\"_ _2\"></span>-A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>weig<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. Br<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>utomot<span class=\"_ _2\"></span>ive<span class=\"_ _2\"></span>, Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>nproj<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in Zweckg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugu<span class=\"_ _2\"></span>ng nic<span class=\"_ _2\"></span>ht me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ngewen<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. Stat<span class=\"_ _3\"></span>tdess<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>auwi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u, Realit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>nwesen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fcte<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>ugung <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Dab<span class=\"_ _2\"></span>ei w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>imulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>ls Resu<span class=\"_ _2\"></span>lta<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>als g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. nicht <span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rdet<span class=\"_ _2\"></span>en Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings<span class=\"_ _2\"></span>hif<span class=\"_ _3\"></span>t ange<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>adurc<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>net<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>auf K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e g<span class=\"_ _2\"></span>r\u00f6\u00dften <span class=\"_ _2\"></span>20 Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt de<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay, der a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ku<span class=\"_ _2\"></span>nd*i<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. dere<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>angewe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hrd<span class=\"_ _2\"></span>et einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay er<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 ge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ei<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bili<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>en<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ojek<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>ausr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig ge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird b<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie H<span class=\"_ _2\"></span>\u00f6he diese<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lays e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ache<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r (modellba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten) er<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur ad<span class=\"_ _2\"></span>\u00e4qua<span class=\"_ _2\"></span>ten B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n Sit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ne Mo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er di<span class=\"_ _2\"></span>e geg<span class=\"_ _2\"></span>enw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che<span class=\"_ _2\"></span>r Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n ad<span class=\"_ _2\"></span>just<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>djus<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Mod<span class=\"_ _2\"></span>ellkom<span class=\"_ _2\"></span>pone<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>es sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>die sze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>ioab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>C<span class=\"_ _9\"></span>ycle<span class=\"_ _2\"></span>- i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>v, unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Eige<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten d<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>isto<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>nzeit<span class=\"_ _2\"></span>reih<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zur T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Th<span class=\"_ _2\"></span>roug<span class=\"_ _2\"></span>h-<span class=\"_ _2\"></span>the<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>- in Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Ausf<span class=\"_ _2\"></span>allwahrsche<span class=\"_ _2\"></span>inlichkeiten genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>ative <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>npro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ind d<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>i ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>le P<span class=\"_ _2\"></span>rogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Fak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ou<span class=\"_ _2\"></span>tpu<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ga<span class=\"_ _2\"></span>ps und <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>BI<span class=\"_ _2\"></span>P<span class=\"_ _10\"></span>, <span class=\"_ _2\"></span>Ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>lose<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen) von vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nbie<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. O<span class=\"_ _2\"></span>ECD, EZB<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FO, EI<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>) in K<span class=\"_ _2\"></span>ombi<span class=\"_ _2\"></span>natio<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Russla<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>aine<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>Kr<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Ene<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>iep<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Einbe<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r W<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>ung von s<span class=\"_ _2\"></span>taa<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Stab<span class=\"_ _2\"></span>ilisie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>d ana<span class=\"_ _2\"></span>lysie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>um d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>uf a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>aue<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss auf d<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>rei <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>ein B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Verlauf <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>und m<span class=\"_ _2\"></span>it 6<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>gewi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>, sowi<span class=\"_ _2\"></span>e jewei<span class=\"_ _2\"></span>ls ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive und e<span class=\"_ _2\"></span>ine p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>ive Ab<span class=\"_ _2\"></span>weichu<span class=\"_ _2\"></span>ng vom B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io m<span class=\"_ _2\"></span>it ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>jeweils <span class=\"_ _2\"></span>20 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>iogew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htung<span class=\"_ _3\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n kor<span class=\"_ _2\"></span>resp<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Auf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f ein<span class=\"_ _2\"></span>e he<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche <span class=\"_ _2\"></span>Umge<span class=\"_ _2\"></span>bung <span class=\"_ _2\"></span>hinde<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nie<span class=\"_ _2\"></span>dr<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig ste<span class=\"_ _2\"></span>igend<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e hab<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum Vorjah<span class=\"_ _2\"></span>r le<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>\u00f6ht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>i Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>n jede<span class=\"_ _2\"></span>m Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r I<span class=\"_ _2\"></span>ntens<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4h<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Folge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>em je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>zugr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>e, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>die ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h die vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in Verbin<span class=\"_ _2\"></span>dung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>ng auf <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ausf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten w<span class=\"_ _2\"></span>idersp<span class=\"_ _2\"></span>iegeln:<span class=\"_ _39f\"> </span>Basisszenar<span class=\"_ _2\"></span>io<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Steiger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich zu <span class=\"_ _2\"></span>2024 \u2013 in <span class=\"_ _2\"></span>Relat<span class=\"_ _2\"></span>ion zu<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>chte<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Schwac<span class=\"_ _2\"></span>he i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>e Ko<span class=\"_ _2\"></span>njunk<span class=\"_ _3\"></span>tur d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>i Ko<span class=\"_ _2\"></span>nsum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t inf<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r En<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>annung <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t weit<span class=\"_ _2\"></span>er zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>nami<span class=\"_ _2\"></span>k ver<span class=\"_ _2\"></span>lang<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>t sich<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gut au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellt<span class=\"_ _2\"></span>e Unt<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>Hau<span class=\"_ _2\"></span>shalt<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n tie<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>Rezessio<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Geopolitische Unsicherheiten k\u00f6nnen Finanzmark<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>volatilit\u00e4t zw<span class=\"_ _2\"></span>ischenzeitlich erh\u00f6hen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Keine <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige L\u00f6s<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Russ<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ukr<span class=\"_ _2\"></span>ain<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Natio<span class=\"_ _2\"></span>nale <span class=\"_ _2\"></span>Unsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>s Bu<span class=\"_ _2\"></span>dgetd<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>zit<span class=\"_ _2\"></span>, n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Wachst<span class=\"_ _2\"></span>umse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>te h\u00e4<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>\u00f6he u<span class=\"_ _2\"></span>nd </span><span class=\"ls2 ws1\"> </span>der <span class=\"_ _2\"></span>konkr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Ausge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>onsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>ab<span class=\"_ _39f\"> </span>Pessimistischer<span class=\"_ _2\"></span>es (Down<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>)Szenario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Steige<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>namik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>aller<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>als i<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>\u2013 </span><span class=\"ls2 ws1\"> </span>die b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allz<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>au w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>epu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Euro<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Kr<span class=\"_ _2\"></span>ise un<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>duzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>die n\u00e4<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>5 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Es<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>lati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Uk<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ine bz<span class=\"_ _2\"></span>w. im N<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Globa<span class=\"_ _2\"></span>le Fro<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>obali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung u<span class=\"_ _2\"></span>nd zur <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n </span>Imp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z\u00f6ll<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>SA<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Budge<span class=\"_ _2\"></span>tkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in \u00d6<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>aste<span class=\"_ _2\"></span>t K<span class=\"_ _2\"></span>onsum <span class=\"_ _2\"></span>und I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>Optimis<span class=\"_ _2\"></span>tischere<span class=\"_ _2\"></span>s (Up<span class=\"_ _2\"></span>-)Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>ich g<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>inger<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung hi<span class=\"_ _2\"></span>n zu d<span class=\"_ _2\"></span>en l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Kein E<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>flo<span class=\"_ _2\"></span>cker<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>eop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>pannung<span class=\"_ _2\"></span>en </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Produk<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>szugew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>tum </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t weite<span class=\"_ _2\"></span>r zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k und <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>laub<span class=\"_ _2\"></span>t wei<span class=\"_ _2\"></span>tere <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">R\u00fcckg<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>parqu<span class=\"_ _2\"></span>ote au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Dur<span class=\"_ _2\"></span>chsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dadur<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hter <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>sum </span>Die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n dre<span class=\"_ _2\"></span>i Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m An<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ieg d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en im V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>let<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wei J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ihr<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t En<span class=\"_ _2\"></span>de 2<span class=\"_ _2\"></span>025, A<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>2026 e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bess<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>sich d<span class=\"_ _2\"></span>amit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n an<span class=\"_ _2\"></span>n\u00e4he<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. W<span class=\"_ _2\"></span>\u00e4hre<span class=\"_ _2\"></span>nd im <span class=\"_ _2\"></span>pess<span class=\"_ _2\"></span>imis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant h<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>re D<span class=\"_ _2\"></span>yn<span class=\"_ _2\"></span>amik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ller<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>eign<span class=\"_ _2\"></span>isse m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nzah<span class=\"_ _2\"></span>l an <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>asissze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>io unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird, <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wicke<span class=\"_ _2\"></span>ln si<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>im op<span class=\"_ _2\"></span>timis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>schn<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>nur kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en LGD<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr unb<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure (<span class=\"_ _2\"></span>Bla<span class=\"_ _2\"></span>nko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD) liege<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n von 45 <span class=\"_ _2\"></span>% bis <span class=\"_ _2\"></span>53 %<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m J<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r LGD<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te zu <span class=\"_ _2\"></span>keine<span class=\"_ _2\"></span>r \u00c4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des B<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>ko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD im <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. zu eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lanko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD im S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n von 5<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>4<span class=\"_ _9\"></span>7 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span> Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ingm<span class=\"_ _2\"></span>igr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsma<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>izen ak<span class=\"_ _3\"></span>tua<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt S<span class=\"_ _2\"></span>ensi<span class=\"_ _2\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>ten R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>getr<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgen\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dar. Nebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ECL<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>inzelb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die T<span class=\"_ _9\"></span>abell<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ECL<span class=\"_ _4\"></span>-<span class=\"_ _3\"></span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nung oh<span class=\"_ _2\"></span>ne di<span class=\"_ _2\"></span>e Ver<span class=\"_ _2\"></span>wendung <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ook<span class=\"_ _2\"></span>ing I<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ion<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e nur <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>1 bzw. nur <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>en Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>enzug<span class=\"_ _2\"></span>eh\u00f6r<span class=\"_ _2\"></span>igk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e die resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i durc<span class=\"_ _2\"></span>hg<span class=\"_ _2\"></span>\u00e4ngige<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bl<span class=\"_ _2\"></span>anko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sens<span class=\"_ _2\"></span>itiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>ALGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>kons<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>spal<span class=\"_ _2\"></span>ten ze<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 un<span class=\"_ _2\"></span>d Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>in p<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>ves Vorzeic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hung de<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ves Vorze<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Reduk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spal<span class=\"_ _2\"></span>te en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er Summe <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spalt<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>s res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikovors<span class=\"_ _2\"></span>orge <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>ige Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sensitivit\u00e4t der Risiko<span class=\"_ _4\"></span>vorsorge <span class=\"ls2\"> </span>in Stufe 1 und Stufe 2 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _221\"> </span><span class=\"fs6 lsb1 wscb\">Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 1<span class=\"_ _f5\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2<span class=\"_ _39f\"> </span></span>Stufe 1 + Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 2<span class=\"_ _128\"> </span><span class=\"lse wse\">Gesamt<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _222\"> </span>24.631<span class=\"_ _eb\"> </span>68.616<span class=\"_ _f4\"> </span>93.246<span class=\"_ _eb\"> </span>93.246<span class=\"_ _39f\"> </span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212986<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.648<span class=\"_ _eb\"> </span><span class=\"ff5\">91.599<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+6.711<span class=\"_ _114\"> </span>+5.898<span class=\"_ _144\"> </span>+12.609<span class=\"_ _112\"> </span><span class=\"ff5\">105.855<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22123.754<span class=\"_ _114\"> </span>\u22123.911<span class=\"_ _59\"> </span>\u22127.665<span class=\"_ _f4\"> </span><span class=\"ff5\">85.581<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22124.800<span class=\"_ _114\"> </span>\u22125.511<span class=\"_ _144\"> </span>\u221210.312<span class=\"_ _f4\"> </span><span class=\"ff5\">82.935<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22127.044<span class=\"_ _114\"> </span>\u22128.397<span class=\"_ _144\"> </span>\u221215.441<span class=\"_ _eb\"> </span><span class=\"ff5\">77.806<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+52.441<span class=\"_ _144\"> </span></span>\u221268.616<span class=\"_ _12d\"> </span>\u221216.175<span class=\"_ _f4\"> </span><span class=\"ff5\">77.072<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221224.631<span class=\"_ _144\"> </span><span class=\"ff2\">+80.854<span class=\"_ _12d\"> </span>+56.224<span class=\"_ _112\"> </span><span class=\"ff5\">149.470<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+6.094<span class=\"_ _144\"> </span></span>\u221243.073<span class=\"_ _12d\"> </span>\u221236.979<span class=\"_ _eb\"> </span><span class=\"ff5\">56.267<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22128.497<span class=\"_ _114\"> </span>\u22129.582<span class=\"_ _144\"> </span>\u221218.079<span class=\"_ _eb\"> </span><span class=\"ff5\">75.167<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+5.976<span class=\"_ _114\"> </span>+6.770<span class=\"_ _144\"> </span>+12.746<span class=\"_ _112\"> </span><span class=\"ff5\">105.992<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tberichtigungen Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _1d2\"> </span><span class=\"wse\">13.245<span class=\"_ _f4\"> </span>39.934<span class=\"_ _eb\"> </span>53.178<span class=\"_ _f4\"> </span>53.178<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212515<span class=\"_ _57\"> </span>\u2212449<span class=\"_ _57\"> </span>\u2212964<span class=\"_ _eb\"> </span><span class=\"ff5\">52.214<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+3.680<span class=\"_ _114\"> </span>+3.965<span class=\"_ _59\"> </span>+7.646<span class=\"_ _f4\"> </span><span class=\"ff5\">60.824<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22122.015<span class=\"_ _114\"> </span>\u22122.721<span class=\"_ _59\"> </span>\u22124.737<span class=\"_ _f4\"> </span><span class=\"ff5\">48.441<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22122.592<span class=\"_ _114\"> </span>\u22123.438<span class=\"_ _114\"> </span>\u22126.030<span class=\"_ _eb\"> </span><span class=\"ff5\">47.148<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22123.800<span class=\"_ _114\"> </span>\u22125.607<span class=\"_ _59\"> </span>\u22129.407<span class=\"_ _f4\"> </span><span class=\"ff5\">43.771<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+27.459<span class=\"_ _144\"> </span></span>\u221239.934<span class=\"_ _12d\"> </span>\u221212.475<span class=\"_ _f4\"> </span><span class=\"ff5\">40.704<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221213.245<span class=\"_ _144\"> </span><span class=\"ff2\">+49.634<span class=\"_ _12d\"> </span>+36.389<span class=\"_ _f4\"> </span><span class=\"ff5\">89.568<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+3.759<span class=\"_ _144\"> </span></span>\u221228.624<span class=\"_ _12d\"> </span>\u221224.865<span class=\"_ _eb\"> </span><span class=\"ff5\">28.314<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22124.595<span class=\"_ _114\"> </span>\u22126.683<span class=\"_ _144\"> </span>\u221211.278<span class=\"_ _eb\"> </span><span class=\"ff5\">41.900<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+3.383<span class=\"_ _114\"> </span>+4.783<span class=\"_ _59\"> </span>+8.167<span class=\"_ _f4\"> </span><span class=\"ff5\">61.345<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen nicht ausg<span class=\"_ _9\"></span>en\u00fctzte Rahmen<span class=\"_ _b5\"> </span><span class=\"wse\">8.298<span class=\"_ _f4\"> </span>13.174<span class=\"_ _eb\"> </span>21.471<span class=\"_ _f4\"> </span>21.471<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212349<span class=\"_ _57\"> </span>\u2212119<span class=\"_ _57\"> </span>\u2212468<span class=\"_ _eb\"> </span><span class=\"ff5\">21.004<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+2.200<span class=\"_ _114\"> </span>+1.207<span class=\"_ _59\"> </span>+3.407<span class=\"_ _f4\"> </span><span class=\"ff5\">24.878<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22121.273<span class=\"_ _57\"> </span>\u2212747<span class=\"_ _114\"> </span>\u22122.020<span class=\"_ _eb\"> </span><span class=\"ff5\">19.451<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22121.604<span class=\"_ _114\"> </span>\u22121.411<span class=\"_ _114\"> </span>\u22123.015<span class=\"_ _eb\"> </span><span class=\"ff5\">18.456<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22122.347<span class=\"_ _114\"> </span>\u22122.005<span class=\"_ _59\"> </span>\u22124.352<span class=\"_ _f4\"> </span><span class=\"ff5\">17.119<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+10.379<span class=\"_ _144\"> </span></span>\u221213.174<span class=\"_ _114\"> </span>\u22122.794<span class=\"_ _f4\"> </span><span class=\"ff5\">18.677<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22128.298<span class=\"_ _144\"> </span><span class=\"ff2\">+25.389<span class=\"_ _12d\"> </span>+17.091<span class=\"_ _eb\"> </span><span class=\"ff5\">38.563<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+1.632<span class=\"_ _144\"> </span></span>\u221210.427<span class=\"_ _114\"> </span>\u22128.794<span class=\"_ _eb\"> </span><span class=\"ff5\">12.677<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22122.854<span class=\"_ _114\"> </span>\u22121.825<span class=\"_ _59\"> </span>\u22124.680<span class=\"_ _f4\"> </span><span class=\"ff5\">16.792<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+1.891<span class=\"_ _114\"> </span>+1.270<span class=\"_ _59\"> </span>+3.160<span class=\"_ _f4\"> </span><span class=\"ff5\">24.632<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen Garantien<span class=\"_ _226\"> </span><span class=\"wse\">3.088<span class=\"_ _eb\"> </span>15.508<span class=\"_ _f4\"> </span>18.597<span class=\"_ _eb\"> </span>18.597<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212122<span class=\"_ _4f\"> </span>\u221294<span class=\"_ _14b\"> </span>\u2212216<span class=\"_ _f4\"> </span><span class=\"ff5\">18.381<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+831<span class=\"_ _57\"> </span>+725<span class=\"_ _114\"> </span>+1.556<span class=\"_ _eb\"> </span><span class=\"ff5\">20.153<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u2212466<span class=\"_ _57\"> </span>\u2212442<span class=\"_ _57\"> </span>\u2212909<span class=\"_ _eb\"> </span><span class=\"ff5\">17.688<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _b0\"> </span><span class=\"lse wse\">\u2212604<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.267<span class=\"_ _eb\"> </span><span class=\"ff5\">17.330<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u2212896<span class=\"_ _57\"> </span>\u2212785<span class=\"_ _114\"> </span>\u22121.681<span class=\"_ _eb\"> </span><span class=\"ff5\">16.915<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+14.603<span class=\"_ _144\"> </span></span>\u221215.508<span class=\"_ _57\"> </span>\u2212906<span class=\"_ _f4\"> </span><span class=\"ff5\">17.691<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22123.088<span class=\"_ _114\"> </span><span class=\"ff2\">+5.831<span class=\"_ _59\"> </span>+2.743<span class=\"_ _f4\"> </span><span class=\"ff5\">21.340<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _227\"> </span><span class=\"ff2\">+703<span class=\"_ _114\"> </span></span>\u22124.023<span class=\"_ _59\"> </span>\u22123.320<span class=\"_ _f4\"> </span><span class=\"ff5\">15.277<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22121.047<span class=\"_ _114\"> </span>\u22121.074<span class=\"_ _59\"> </span>\u22122.121<span class=\"_ _f4\"> </span><span class=\"ff5\">16.475<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _151\"> </span><span class=\"ff2\">+702<span class=\"_ _57\"> </span>+717<span class=\"_ _114\"> </span>+1.419<span class=\"_ _eb\"> </span><span class=\"ff5\">20.016<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>lust<span class=\"_ _2\"></span>e sin<span class=\"_ _2\"></span>d in d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _3\"></span>4 und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>hang<span class=\"_ _2\"></span>sang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b Se<span class=\"_ _2\"></span>ite 335 be<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht ab Se<span class=\"_ _2\"></span>ite 373 we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikosit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ge<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>\u00e4nen k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n es zu ei<span class=\"_ _2\"></span>nem B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st bz<span class=\"_ _2\"></span>w. -gew<span class=\"_ _2\"></span>inn de<span class=\"_ _2\"></span>s einzel<span class=\"_ _2\"></span>nen K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s komme<span class=\"_ _2\"></span>n, der in d<span class=\"_ _2\"></span>er Rege<span class=\"_ _2\"></span>l mit e<span class=\"_ _2\"></span>iner e<span class=\"_ _2\"></span>inma<span class=\"_ _2\"></span>ligen A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung des B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>ts a<span class=\"_ _2\"></span>ls unwese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Mo<span class=\"_ _2\"></span>difik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages i<span class=\"_ _2\"></span>n der Ge<span class=\"_ _2\"></span>-<span class=\"ff2\"> </span>winn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung der BT<span class=\"_ _3\"></span>V er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst wi<span class=\"_ _2\"></span>rd. Im J<span class=\"_ _2\"></span>ahr 2024 <span class=\"_ _9\"></span>wurd<span class=\"_ _2\"></span>en diesb<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich +<span class=\"_ _4\"></span>352 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>20<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _2\"></span>) im Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ergebnis <span class=\"_ _9\"></span>ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>4 beschrieben",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAssetsAndLiabilitiesWithSignificantRiskOfMaterialAdjustmentExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-532": {
   "value": "Ermessensentscheidungen, <span class=\"_ _2\"></span>Annahmen, Sc<span class=\"_ _2\"></span>h\u00e4tzungen<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage<span class=\"_ _2\"></span>n von E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ungen sowie <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>von Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>mit ve<span class=\"_ _2\"></span>rbu<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Unsic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>n in zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>n zu z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e An<span class=\"_ _2\"></span>passung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>te in der <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nz not<span class=\"_ _3\"></span>wendig <span class=\"_ _2\"></span>mac<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d An<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ie P<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d na<span class=\"_ _2\"></span>ch h<span class=\"_ _2\"></span>eutig<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>wah<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hein<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ziel<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, a<span class=\"_ _2\"></span>ussage<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tige <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz- un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gsl<span class=\"_ _2\"></span>age des U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns zu <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r di<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikolag<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nzern<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ric<span class=\"_ _2\"></span>ht (ab Seite <span class=\"_ _2\"></span>373) ver<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>esentliche <span class=\"_ _2\"></span>Ermessensent<span class=\"_ _2\"></span>scheidungen<span class=\"_ _39f\"> </span>Nac<span class=\"_ _2\"></span>hfo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>d werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Erme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dungen <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, die d<span class=\"_ _2\"></span>as M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ie die Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge im <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Sch\u00e4tzunsicherheiten<span class=\"_ _39f\"> </span>Die w<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>bezoge<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>nahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>a\u00dfgebl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Q<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en von <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zunsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>im W<span class=\"_ _4\"></span>esentlichen v<span class=\"_ _9\"></span>on folgend<span class=\"_ _9\"></span>en Sachv<span class=\"_ _9\"></span>erhalten<span class=\"_ _9\"></span> betrof<span class=\"_ _2\"></span>fen:<span class=\"_ _39f\"> </span>Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von Finanzinstrumenten<span class=\"_ _39f\"> </span>K<span class=\"_ _2\"></span>ann d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nde Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von D<span class=\"_ _2\"></span>aten eine<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s ab<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>itet <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d er <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wendu<span class=\"_ _2\"></span>ng ver<span class=\"_ _2\"></span>schi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie I<span class=\"_ _2\"></span>nput-<span class=\"_ _39f\"> </span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Mod<span class=\"_ _2\"></span>ellb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soweit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, von <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tda<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>leit<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die z<span class=\"_ _2\"></span>um Fa<span class=\"_ _2\"></span>ir Value au<span class=\"_ _2\"></span>sgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>wie f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>shie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>Fair Value zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Hier<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>chie <span class=\"_ _2\"></span>spieg<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>putd<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>wid<span class=\"_ _2\"></span>er un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t gegliedert:<span class=\"_ _39f\"> </span>Notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Prei<span class=\"_ _2\"></span>se in ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ven M\u00e4rk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n (Level 1<span class=\"_ _4\"></span>):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie en<span class=\"_ _2\"></span>th\u00e4l<span class=\"_ _2\"></span>t an <span class=\"_ _2\"></span>wich<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B\u00f6<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>l, U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>uldti<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>anle<span class=\"_ _2\"></span>ihen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Fair Value von in <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>reise <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>sof<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e die im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>von r<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>m\u00e4\u00dfig s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ein ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>muss <span class=\"_ _2\"></span>kum<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>iv f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>te sin<span class=\"_ _2\"></span>d hom<span class=\"_ _2\"></span>ogen<span class=\"_ _2\"></span>, </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>swi<span class=\"_ _2\"></span>llige K<span class=\"_ _3\"></span>\u00e4ufe<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>d Verk\u00e4<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>r k\u00f6nn<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>. d<span class=\"_ _2\"></span>. R<span class=\"_ _3\"></span>. je<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Preise <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r \u00d6<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgung<span class=\"_ _2\"></span>.</span><span class=\"ls2 ws1\"> </span>Ein F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>auf e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tiven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>notie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>anges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn n<span class=\"_ _2\"></span>otie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>ise l<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>rege<span class=\"_ _2\"></span>lm\u00e4\u00dfig <span class=\"_ _2\"></span>von ei<span class=\"_ _2\"></span>ner B\u00f6r<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>, ein<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>H\u00e4n<span class=\"_ _2\"></span>dler <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>roker, einer <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>cheng<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>uppe<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Pre<span class=\"_ _2\"></span>is-<span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ice<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Age<span class=\"_ _2\"></span>ntur <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bar sind u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>ese P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>se t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>s\u00e4c<span class=\"_ _2\"></span>hlich<span class=\"_ _2\"></span>e un<span class=\"_ _2\"></span>d sich <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfig er<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>rep<span class=\"_ _2\"></span>r\u00e4s<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>chtba<span class=\"_ _2\"></span>rer Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>eter (<span class=\"_ _2\"></span>Level 2):<span class=\"_ _39f\"> </span>Dies<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>die OTC-<span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>kontr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value kl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Schul<span class=\"_ _2\"></span>dti<span class=\"_ _2\"></span>tel d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bewer<span class=\"_ _2\"></span>tun<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren mitt<span class=\"_ _2\"></span>els we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r nicht be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htbare<span class=\"_ _2\"></span>r Par<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er (Level 3): Die F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie <span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nput<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>auf, die <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>td<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Zuordn<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>vel<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eilung<span class=\"_ _3\"></span>, in<span class=\"_ _2\"></span>sbes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re wenn d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung s<span class=\"_ _2\"></span>owohl au<span class=\"_ _2\"></span>f b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h auf <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ruh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Auc<span class=\"_ _2\"></span>h unt<span class=\"_ _2\"></span>er Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>von \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h von <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>ntes <span class=\"_ _2\"></span>im Zeitablauf \u00e4nder<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum F<span class=\"_ _2\"></span>air Value <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren angewandt:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value lei<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B\u00f6<span class=\"_ _2\"></span>rse <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ionsp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>eha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hod<span class=\"_ _2\"></span>e bewe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ute<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig pr<span class=\"_ _2\"></span>ojizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>gee<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Fair Value zu e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>teln<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie D<span class=\"_ _2\"></span>iskont<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n sowoh<span class=\"_ _2\"></span>l die <span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kolose <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tau<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>chl\u00e4<span class=\"_ _2\"></span>ge (Credit Spre<span class=\"_ _2\"></span>ads), welche <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>angig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t des <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>kur<span class=\"_ _3\"></span>ve zur <span class=\"_ _2\"></span>Disko<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>tet dabe<span class=\"_ _2\"></span>i am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>pot-, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>. Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds r<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>et si<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m 3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ufig<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>1<span class=\"_ _4\"></span>)  E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n Em<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ihe g<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>anges <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Res<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wi<span class=\"_ _2\"></span>rd die<span class=\"_ _2\"></span>ser Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>2) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>kein<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ichb<span class=\"_ _2\"></span>are <span class=\"_ _2\"></span>am Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>te A<span class=\"_ _2\"></span>nlei<span class=\"_ _2\"></span>he, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>aul<span class=\"_ _2\"></span>t Swap <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>(CDS-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>) mit \u00e4hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3) <span class=\"_ _7\"> </span>Exi<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wede<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ne ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbare <span class=\"_ _2\"></span>am M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lte <span class=\"_ _2\"></span>Anle<span class=\"_ _2\"></span>ihe <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv g<span class=\"_ _2\"></span>ehan<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>ter CD<span class=\"_ _2\"></span>S, <span class=\"_ _2\"></span>so w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schl<span class=\"_ _2\"></span>ag ei<span class=\"_ _2\"></span>nes ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbar<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t (L<span class=\"_ _2\"></span>evel 3). <span class=\"_ _2\"></span>Zur<span class=\"_ _2\"></span>zeit g<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Anwe<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ll im <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Stu<span class=\"_ _2\"></span>fe 3 <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t allge<span class=\"_ _2\"></span>mein <span class=\"_ _2\"></span>ane<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Wesentl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Eing<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>spar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z sow<span class=\"_ _2\"></span>ie lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgs<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgr\u00f6<span class=\"_ _2\"></span>\u00dfen <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchru<span class=\"_ _2\"></span>ng sowi<span class=\"_ _2\"></span>e Ke<span class=\"_ _2\"></span>nntn<span class=\"_ _2\"></span>isse der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>missio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>vel 2 <span class=\"_ _2\"></span>zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>mission<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>l am <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h vi<span class=\"_ _2\"></span>elme<span class=\"_ _2\"></span>hr um <span class=\"_ _2\"></span>Ret<span class=\"_ _2\"></span>ail<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Emi<span class=\"_ _2\"></span>ssione<span class=\"_ _2\"></span>n und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>plat<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung fi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t so<span class=\"_ _2\"></span>mit mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>es D<span class=\"_ _2\"></span>isco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cash<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>sem liege<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>eldm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Swapzins<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>asie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>e Zi<span class=\"_ _2\"></span>nsk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>und K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>l\u00e4ge <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V zug<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m Leve<span class=\"_ _2\"></span>l 2 z<span class=\"_ _2\"></span>ugeor<span class=\"_ _2\"></span>dnet<span class=\"_ _3\"></span>. Fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mmen <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2 Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Fi<span class=\"_ _2\"></span>nanzin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>mit s<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l sowi<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>mit a<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>m Aus<span class=\"_ _2\"></span>zahl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>profi<span class=\"_ _2\"></span>l. <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it s<span class=\"_ _2\"></span>ym<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>risc<span class=\"_ _2\"></span>hem <span class=\"_ _2\"></span>Ausz<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofil <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>nhalt<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate (<span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ps und Zins<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>minge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>) und Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sde<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vate <span class=\"_ _2\"></span>(F<span class=\"_ _2\"></span>X Sw<span class=\"_ _2\"></span>aps, <span class=\"_ _2\"></span>Cross <span class=\"_ _2\"></span>Curre<span class=\"_ _2\"></span>nc<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>Swaps u<span class=\"_ _2\"></span>nd F<span class=\"_ _2\"></span>X-<span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>igh<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te). Die<span class=\"_ _2\"></span>se Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Disco<span class=\"_ _2\"></span>unted<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Cas<span class=\"_ _2\"></span>h-<span class=\"_ _3\"></span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd a<span class=\"_ _2\"></span>uf am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htba<span class=\"_ _2\"></span>ren Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>ss\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>dmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fut<span class=\"_ _2\"></span>ures<span class=\"_ _2\"></span>-Zinss\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>, Swaps<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>sspre<span class=\"_ _2\"></span>ads <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate m<span class=\"_ _2\"></span>it as<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>mmet<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>m Ausz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sder<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>(Caps und <span class=\"_ _2\"></span>Flo<span class=\"_ _2\"></span>ors). Die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des F<span class=\"_ _2\"></span>air Values er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t h<span class=\"_ _2\"></span>ier m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lack-7<span class=\"_ _4\"></span>6<span class=\"_ _3\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>prei<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inpu<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wede<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>t am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t beo<span class=\"_ _2\"></span>bach<span class=\"_ _2\"></span>tbar <span class=\"_ _2\"></span>(Geldma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze, <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldmar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ture<span class=\"_ _2\"></span>s-Zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze sow<span class=\"_ _2\"></span>ie Swap<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze) oder <span class=\"_ _2\"></span>von am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren abgeleitet (implizite von Optionspreisen abgele<span class=\"_ _2\"></span>itete Cap/Floor<span class=\"_ _4\"></span>-V<span class=\"_ _9\"></span>olatilit\u00e4ten<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3 Die K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tels e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Dis<span class=\"_ _2\"></span>counte<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low-Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>ns bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>zuk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Di<span class=\"_ _2\"></span>skontk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve wir<span class=\"_ _2\"></span>d dab<span class=\"_ _2\"></span>ei u<span class=\"_ _2\"></span>m ein <span class=\"_ _2\"></span>Epsil<span class=\"_ _2\"></span>on e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s so <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>libr<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t wir<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass d<span class=\"_ _2\"></span>as G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t zum Init<span class=\"_ _2\"></span>ialis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nom<span class=\"_ _2\"></span>inal<span class=\"_ _2\"></span>e en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>d so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n/-verlus<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>auf diese <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>ten C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>al<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>arc<span class=\"_ _2\"></span>hie un<span class=\"_ _2\"></span>d Fa<span class=\"_ _2\"></span>ir Values <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n N<span class=\"_ _2\"></span>otes <span class=\"_ _2\"></span>36 un<span class=\"_ _2\"></span>d 36<span class=\"_ _2\"></span>a n\u00e4<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00e4ute<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _9\"></span>orsorgen <span class=\"_ _2\"></span>im Ausleihungsgesch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sorg<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n hins<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>die Zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er Qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Zus\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>es f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wand<span class=\"_ _2\"></span>es an <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>n\u00f6tig<span class=\"_ _3\"></span>, di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he und d<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>hflows <span class=\"_ _2\"></span>zu s<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te (<span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en einzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>noch <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellb<span class=\"_ _2\"></span>ar sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>gebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndet<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nput<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>zu bem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e um z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b sic<span class=\"_ _2\"></span>h da<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>malige<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>signi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant erh<span class=\"_ _2\"></span>\u00f6ht h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd um <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ob e<span class=\"_ _2\"></span>in fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r mit <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>int<span class=\"_ _2\"></span>r\u00e4c<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Boni<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>im T<span class=\"_ _9\"></span>eil \u201e<span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>minde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 9<span class=\"_ _2\"></span>\u201c <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _2\"></span>9 n<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>r er<span class=\"_ _2\"></span>l\u00e4u<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Lang<span class=\"_ _3\"></span>fris<span class=\"_ _2\"></span>tige Personalr\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellungen La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls ver<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smat<span class=\"_ _2\"></span>hema<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>the<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>zu D<span class=\"_ _2\"></span>iskont<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z, <span class=\"_ _2\"></span>k\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, Ste<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it und k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Pens<span class=\"_ _2\"></span>ionsa<span class=\"_ _2\"></span>nheb<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstige R\u00fcck<span class=\"_ _2\"></span>stellungen Die Bi<span class=\"_ _2\"></span>ldung von R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t eine Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung<span class=\"_ _3\"></span>, inwiewe<span class=\"_ _2\"></span>it das U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>nen Er<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n eine Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ten hat<span class=\"_ _3\"></span>. Zude<span class=\"_ _2\"></span>m sind be<span class=\"_ _2\"></span>i der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung S<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungen h<span class=\"_ _2\"></span>insic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h H\u00f6h<span class=\"_ _2\"></span>e und F\u00e4llig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der zu<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en Ca<span class=\"_ _2\"></span>shfl<span class=\"_ _2\"></span>ows not<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndig. N<span class=\"_ _2\"></span>\u00e4he<span class=\"_ _2\"></span>re De<span class=\"_ _2\"></span>tai<span class=\"_ _2\"></span>ls werd<span class=\"_ _2\"></span>en in N<span class=\"_ _2\"></span>ote 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>h darg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. Der Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h der R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en wird mi<span class=\"_ _2\"></span>t hohe<span class=\"_ _2\"></span>r Wahrsch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it in de<span class=\"_ _2\"></span>n komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Jah<span class=\"_ _2\"></span>ren e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Recht<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>reitigkeite<span class=\"_ _2\"></span>n der 3 B<span class=\"_ _2\"></span>anken mit d<span class=\"_ _2\"></span>er Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Ban<span class=\"_ _2\"></span>k Aust<span class=\"_ _9\"></span>ria <span class=\"_ _9\"></span>A<span class=\"_ _4\"></span>G und <span class=\"_ _9\"></span>der <span class=\"_ _9\"></span>CABO <span class=\"_ _9\"></span>Beteili<span class=\"_ _9\"></span>gungsgese<span class=\"_ _9\"></span>llschaft m.b.H.<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k Aus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ia AG und <span class=\"_ _2\"></span>die C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>BO B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>m.<span class=\"_ _2\"></span>b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>ein ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit Bank <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>a AG dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>(ge<span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>nsam <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>: \u201e<span class=\"_ _2\"></span>UniC<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t\u201c) <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>im Ma<span class=\"_ _2\"></span>i 2019 den A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ei<span class=\"_ _2\"></span>ne So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>hinsic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h s<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r dur<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 1<span class=\"_ _9\"></span>993 durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>\u00f6hunge<span class=\"_ _2\"></span>n durch<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>nd ke<span class=\"_ _2\"></span>ine Zu<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmung. <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or de<span class=\"_ _2\"></span>m Hi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>antr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s ha<span class=\"_ _2\"></span>t die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>im J<span class=\"_ _2\"></span>uni 2<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>9 vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es So<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag wur<span class=\"_ _2\"></span>de s<span class=\"_ _2\"></span>owohl in <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h in z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>iter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anz a<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>agege<span class=\"_ _2\"></span>n dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof e<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>\u00dfer<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s sc<span class=\"_ _2\"></span>hlie\u00dfl<span class=\"_ _2\"></span>ich m<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>des O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>s vom <span class=\"_ _2\"></span>25.1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sod<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ieses <span class=\"_ _2\"></span>Ver<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ossen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s h<span class=\"_ _2\"></span>at die <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>Juni <span class=\"_ _2\"></span>2019 vor dem L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k ei<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00fcsse d<span class=\"_ _2\"></span>er 1<span class=\"_ _9\"></span>01<span class=\"_ _9\"></span>. orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vom 1<span class=\"_ _9\"></span>6.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss vom 19.01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020 h<span class=\"_ _2\"></span>at d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>bro<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>r Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit Be<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>uss d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts Innsbruck be<span class=\"_ _2\"></span>endet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>0 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>vor d<span class=\"_ _2\"></span>em L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k ein<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>lage <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Anf<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tung e<span class=\"_ _2\"></span>inzel<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>02<span class=\"_ _2\"></span>. ord<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>amml<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>vom 10.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>it B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>vom 0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2021 ha<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s-<span class=\"ff2 ls2 ws1\"> </span>ger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls z<span class=\"_ _2\"></span>ur K<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>or<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n unt<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>roc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese Klag<span class=\"_ _2\"></span>e wu<span class=\"_ _2\"></span>rde u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit z<span class=\"_ _2\"></span>ur\u00fcc<span class=\"_ _2\"></span>kge<span class=\"_ _2\"></span>zogen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>am 18.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 mit B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>luss <span class=\"ff2 ls2 ws1\"> </span>des L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k be<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Am 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2022 h<span class=\"_ _2\"></span>at di<span class=\"_ _2\"></span>e Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it vor <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>La<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f An<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>zelne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _9\"></span>0<span class=\"_ _2\"></span>4. o<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>mmlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V vom <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>1.05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>022 e<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>2 st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reite<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>as Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nz wege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ife <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, das U<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il is<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>m 05<span class=\"_ _2\"></span>.01.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>owohl d<span class=\"_ _2\"></span>ie Wi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ahl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r auf <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Dau<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>is zur orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ammlung <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V al<span class=\"_ _2\"></span>s auc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Abl<span class=\"_ _2\"></span>ehnung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Wie<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hl von <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bog<span class=\"_ _2\"></span>ner auf d<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>H\u00f6c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n jewei<span class=\"_ _2\"></span>ls f<span class=\"_ _2\"></span>\u00fcr ni<span class=\"_ _2\"></span>chtig <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Klag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>posi<span class=\"_ _2\"></span>tive F<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung des B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>chluss<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>Mag. <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>gne<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>tdau<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>lt g<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e hing<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>te 1. und 2<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ur<span class=\"_ _3\"></span>teils <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>k er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Sp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>hpun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t 3<span class=\"_ _2\"></span>. \u2013 <span class=\"_ _2\"></span>das O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at mi<span class=\"_ _2\"></span>t Ur<span class=\"_ _3\"></span>teil <span class=\"_ _2\"></span>vom 26<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4.<span class=\"_ _3\"></span>2023 <span class=\"_ _2\"></span>die En<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idung d<span class=\"_ _2\"></span>es La<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nnsbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uchp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en 1. und 3<span class=\"_ _2\"></span>. b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd hi<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>tes 2<span class=\"_ _3\"></span>. da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>bege<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>n abgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>ision <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>hof f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>zul\u00e4<span class=\"_ _2\"></span>ssig e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ke<span class=\"_ _2\"></span>ine d<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>teien <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>r-<span class=\"_ _39f\"> </span>orde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Rev<span class=\"_ _2\"></span>isio<span class=\"_ _2\"></span>n an d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Obe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>hof <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>soda<span class=\"_ _2\"></span>ss die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>Feb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ar 2<span class=\"_ _2\"></span>020 be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekomm<span class=\"_ _2\"></span>ission <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>, ob die b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en 3 <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>\u00e4rss<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>ndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he A<span class=\"_ _2\"></span>ngeb<span class=\"_ _2\"></span>ots<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht ve<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t h\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wa<span class=\"_ _2\"></span>r von die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>als M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lied <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Syndik<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG und b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>Bank <span class=\"_ _2\"></span>AG unmit<span class=\"_ _3\"></span>telba<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die UniCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>hob <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einwan<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung un<span class=\"_ _2\"></span>d Wi<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>sbild<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Synd<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>te ver<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t sowi<span class=\"_ _2\"></span>e die<span class=\"_ _2\"></span>se insges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 20<span class=\"_ _3\"></span>03 ihr <span class=\"_ _2\"></span>Stimmg<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>ht in <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlich <span class=\"_ _2\"></span>rel<span class=\"_ _2\"></span>eva<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eise <span class=\"_ _2\"></span>ausgeb<span class=\"_ _2\"></span>aut h<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>eine Ange<span class=\"_ _2\"></span>bot<span class=\"_ _2\"></span>spfl<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>l\u00f6st <span class=\"_ _2\"></span>worde<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>. Im <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um vom <span class=\"_ _2\"></span>28<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>09.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 b<span class=\"_ _2\"></span>is 01.<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>0.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>020 ha<span class=\"_ _2\"></span>t vor d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Bewe<span class=\"_ _2\"></span>isve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ekommi<span class=\"_ _2\"></span>ssion <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>am 03.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>kommis<span class=\"_ _2\"></span>sion z<span class=\"_ _2\"></span>um Sc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in ke<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Fall <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nahme<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ang<span class=\"_ _2\"></span>ebot<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht vor<span class=\"_ _2\"></span>lag. <span class=\"_ _2\"></span>Den <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>de da<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tgeg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>am 1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1.2<span class=\"_ _2\"></span>023 f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>cht Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>idung <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V am 0<span class=\"_ _2\"></span>5.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2023 f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>gere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>Rek<span class=\"_ _2\"></span>ursb<span class=\"_ _2\"></span>ean<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>l\u00fcsse<span class=\"_ _2\"></span>n vom <span class=\"_ _2\"></span>23.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 hat <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ob<span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Wie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t nicht <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d und <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t kei<span class=\"_ _2\"></span>ne Verle<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ngebo<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht du<span class=\"_ _2\"></span>rch <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span>bet<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>vorl<span class=\"_ _2\"></span>ag. Da<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>esge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht W<span class=\"_ _2\"></span>ien b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>hmeko<span class=\"_ _2\"></span>mmissio<span class=\"_ _2\"></span>n und folg<span class=\"_ _3\"></span>t dem Vorbr<span class=\"_ _2\"></span>ingen d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>. Da die Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit au<span class=\"_ _2\"></span>f die Er<span class=\"_ _2\"></span>hebu<span class=\"_ _2\"></span>ng von Recht<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ln ver<span class=\"_ _2\"></span>zich<span class=\"_ _2\"></span>tet ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, is<span class=\"_ _2\"></span>t diese<span class=\"_ _2\"></span>s Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig.<span class=\"_ _39f\"> </span>Am 2<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2021 hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>age a<span class=\"_ _2\"></span>uf U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung und <span class=\"_ _2\"></span>Fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck einge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ziel <span class=\"_ _2\"></span>es z<span class=\"_ _2\"></span>usam<span class=\"_ _2\"></span>menge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t wa<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is von <span class=\"_ _2\"></span>im G<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t vor<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>en Voraus<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d von <span class=\"_ _2\"></span>den Ger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s ver<span class=\"_ _3\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immte <span class=\"_ _2\"></span>bish<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ige K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fcr n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig zu e<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d <span class=\"ff2 ls2 ws1\"> </span>die re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Zul\u00e4<span class=\"_ _2\"></span>ssigke<span class=\"_ _2\"></span>it k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>h\u00f6hung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hung di<span class=\"_ _2\"></span>eser <span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngig <span class=\"_ _2\"></span>zu ma<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das L<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>desge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck h<span class=\"_ _2\"></span>at b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s in d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>am 21.<span class=\"_ _10\"></span>10.<span class=\"_ _2\"></span>2021 s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n T<span class=\"_ _9\"></span>agsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung da<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tanz wegen <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>uch<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>fe g<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>losse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>il vom <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>021 hat d<span class=\"_ _2\"></span>as L<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>esger<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t In<span class=\"_ _2\"></span>nsbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>vollem <span class=\"_ _2\"></span>Umf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ng abg<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wies<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Ur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eil vo<span class=\"_ _2\"></span>m 02<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6.<span class=\"_ _3\"></span>2022 <span class=\"_ _2\"></span>hat d<span class=\"_ _2\"></span>as O<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ndesge<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht I<span class=\"_ _2\"></span>nnsb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ck di<span class=\"_ _2\"></span>e Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>iCre<span class=\"_ _2\"></span>dit in <span class=\"_ _2\"></span>volle<span class=\"_ _2\"></span>m Um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ang ab<span class=\"_ _2\"></span>gewie<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>\u2013 die <span class=\"_ _2\"></span>UniCr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t hat <span class=\"_ _2\"></span>dage<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Revisio<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sho<span class=\"_ _2\"></span>fs <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t am 18.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 erg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>shof <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>in se<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ung s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he K<span class=\"_ _2\"></span>lag<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>gehr<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>niCr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t insbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>zum S<span class=\"_ _2\"></span>chlu<span class=\"_ _2\"></span>ss ge<span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s die <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>rech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he St<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htm\u00e4<span class=\"_ _2\"></span>\u00dfig is<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>r von <span class=\"_ _2\"></span>den 3 Ba<span class=\"_ _2\"></span>nken <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hungen <span class=\"_ _2\"></span>im Ei<span class=\"_ _2\"></span>nkl<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig abges<span class=\"_ _2\"></span>chlo<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m se<span class=\"_ _2\"></span>lben <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>niCre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>nst<span class=\"_ _3\"></span>weilige <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>f Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lassu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>erh<span class=\"_ _2\"></span>\u00f6hung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>es J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s 2<span class=\"_ _2\"></span>022 eing<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag w<span class=\"_ _2\"></span>urde vo<span class=\"_ _2\"></span>m L<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>sger<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>sbr<span class=\"_ _2\"></span>uck <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tig a<span class=\"_ _2\"></span>bgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Zusam<span class=\"_ _2\"></span>menf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ssend <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass s<span class=\"_ _2\"></span>\u00e4mt<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en nu<span class=\"_ _2\"></span>nmeh<span class=\"_ _2\"></span>r en<span class=\"_ _2\"></span>dg\u00fcl<span class=\"_ _2\"></span>tig a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en wurd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll so<span class=\"_ _2\"></span>mit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Au<span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Uni<span class=\"_ _2\"></span>Cred<span class=\"_ _2\"></span>it me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>nh\u00e4ng<span class=\"_ _2\"></span>ig sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>tragsteuern<span class=\"_ _39f\"> </span>La<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>-sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>r\u00fch<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Perio<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it je<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag ang<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, in desse<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ode<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>h\u00f6rde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>hre T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men unter<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>lm\u00e4\u00dfige<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>beh\u00f6<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Late<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>Steuer<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bare <span class=\"_ _2\"></span>temp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>\u00e4re D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>n geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>r wir<span class=\"_ _2\"></span>d vor<span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>in Zukun<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ein z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>s Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis zu<span class=\"_ _2\"></span>r Verrec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgu<span class=\"_ _2\"></span>ng st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idunge<span class=\"_ _2\"></span>n und Sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n sind <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>s zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inns <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>zuk\u00fc<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iger <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>lanung<span class=\"_ _2\"></span>en fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, in we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive la<span class=\"_ _2\"></span>tent<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>anzus<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>zu l<span class=\"_ _2\"></span>atent<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n fi<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er N<span class=\"_ _2\"></span>ote 9<span class=\"_ _2\"></span>a<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>tuelle Ent<span class=\"_ _2\"></span>wicklungen mit B<span class=\"_ _2\"></span>ezug auf die Ermit<span class=\"_ _2\"></span>tlung der er<span class=\"_ _3\"></span>war<span class=\"_ _2\"></span>teten K<span class=\"_ _2\"></span>redit<span class=\"_ _2\"></span>verluste<span class=\"_ _39f\"> </span>Gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>einung <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>ndus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ie wei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>hin s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ark <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>oble<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Rezessio<span class=\"_ _2\"></span>n hat <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>zule<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>e wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nosen <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>\u2013 ein <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwung i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>hin ni<span class=\"_ _2\"></span>cht i<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie von <span class=\"_ _2\"></span>Dona<span class=\"_ _2\"></span>ld T<span class=\"_ _9\"></span>rump <span class=\"_ _2\"></span>angedr<span class=\"_ _2\"></span>ohte<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsz\u00f6lle <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r USA <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er i<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>spar<span class=\"_ _3\"></span>tne<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die poli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>abi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t sowoh<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eltp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ebie<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>als we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>toren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Ver<span class=\"_ _9\"></span>-<span class=\"ff2 ls2 ws1\"> </span>flec<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lands <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>dust<span class=\"_ _2\"></span>rie <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>ten a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>\u00d6ste<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>tsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t im <span class=\"_ _2\"></span>Ke<span class=\"_ _2\"></span>rnm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>BT<span class=\"_ _3\"></span>V un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. F<span class=\"_ _2\"></span>isk<span class=\"_ _2\"></span>alp<span class=\"_ _2\"></span>oliti<span class=\"_ _2\"></span>sche <span class=\"_ _2\"></span>Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e ein <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>smar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>sum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ha<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d G<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n um run<span class=\"_ _2\"></span>d +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,0 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6ht<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>se Zun<span class=\"_ _2\"></span>ahme <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikovorso<span class=\"_ _2\"></span>rge <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hung <span class=\"_ _2\"></span>um r<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>+41<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 <span class=\"_ _2\"></span>Mio. \u20ac <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>3 un<span class=\"_ _2\"></span>d eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung um <span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d \u2212<span class=\"_ _9\"></span>1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>5 Mi<span class=\"_ _2\"></span>o. \u20ac i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und 2 <span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2 im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>m\u00e4r a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Verri<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>LGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>m \u2212<span class=\"_ _4\"></span>21<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>5 Mio. <span class=\"_ _2\"></span>\u20ac bzw. ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Erh\u00f6<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und St<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e 2 um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1,0 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Zus\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>ich h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 die <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nzuwe<span class=\"_ _2\"></span>isung <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwendung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>eln ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Se<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>em 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 wird <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Colle<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>tive<span class=\"_ _3\"></span>-Sta<span class=\"_ _2\"></span>ging<span class=\"_ _2\"></span>-A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>weig<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. Br<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>utomot<span class=\"_ _2\"></span>ive<span class=\"_ _2\"></span>, Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>nproj<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in Zweckg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugu<span class=\"_ _2\"></span>ng nic<span class=\"_ _2\"></span>ht me<span class=\"_ _2\"></span>hr a<span class=\"_ _2\"></span>ngewen<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. Stat<span class=\"_ _3\"></span>tdess<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>trof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Automo<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>auwi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, Mas<span class=\"_ _2\"></span>chin<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>u, Realit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>nwesen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fcte<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>ugung <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Dab<span class=\"_ _2\"></span>ei w<span class=\"_ _2\"></span>ird e<span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>ten Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>imulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>ls Resu<span class=\"_ _2\"></span>lta<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>als g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. nicht <span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>t eing<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>die g<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>rdet<span class=\"_ _2\"></span>en Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings<span class=\"_ _2\"></span>hif<span class=\"_ _3\"></span>t ange<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>adurc<span class=\"_ _2\"></span>h er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>net<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r <span class=\"ff2 ls2 ws1\"> </span>auf K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e g<span class=\"_ _2\"></span>r\u00f6\u00dften <span class=\"_ _2\"></span>20 Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt de<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay, der a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ku<span class=\"_ _2\"></span>nd*i<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. dere<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>down<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>angewe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von K<span class=\"_ _2\"></span>und*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hrd<span class=\"_ _2\"></span>et einge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>O<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>ay er<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2 ge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 ei<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bili<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>en<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ojek<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>ausr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig ge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird b<span class=\"_ _2\"></span>eib<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie H<span class=\"_ _2\"></span>\u00f6he diese<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lays e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Se<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ache<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r (modellba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten) er<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur ad<span class=\"_ _2\"></span>\u00e4qua<span class=\"_ _2\"></span>ten B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n Sit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ne Mo<span class=\"_ _2\"></span>dell<span class=\"_ _2\"></span>kompon<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er zum A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>ussst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er di<span class=\"_ _2\"></span>e geg<span class=\"_ _2\"></span>enw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>ogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>che<span class=\"_ _2\"></span>r Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n ad<span class=\"_ _2\"></span>just<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>djus<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Mod<span class=\"_ _2\"></span>ellkom<span class=\"_ _2\"></span>pone<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>es sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>die sze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>ioab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>zur T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r T<span class=\"_ _2\"></span>hroug<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-th<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>C<span class=\"_ _9\"></span>ycle<span class=\"_ _2\"></span>- i<span class=\"_ _2\"></span>n Point-<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>Tim<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrs<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>inlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n qu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>v, unter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Prog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Eige<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten d<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>isto<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>nzeit<span class=\"_ _2\"></span>reih<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zur T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Th<span class=\"_ _2\"></span>roug<span class=\"_ _2\"></span>h-<span class=\"_ _2\"></span>the<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Cycle<span class=\"_ _2\"></span>- in Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Ausf<span class=\"_ _2\"></span>allwahrsche<span class=\"_ _2\"></span>inlichkeiten genut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>ative <span class=\"_ _2\"></span>Erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>npro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ind d<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>i ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>le P<span class=\"_ _2\"></span>rogn<span class=\"_ _2\"></span>osen <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Fak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ou<span class=\"_ _2\"></span>tpu<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ga<span class=\"_ _2\"></span>ps und <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>BI<span class=\"_ _2\"></span>P<span class=\"_ _10\"></span>, <span class=\"_ _2\"></span>Ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>lose<span class=\"_ _2\"></span>nra<span class=\"_ _2\"></span>te, <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen) von vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nbie<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>u. a<span class=\"_ _2\"></span>. O<span class=\"_ _2\"></span>ECD, EZB<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FO, EI<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>) in K<span class=\"_ _2\"></span>ombi<span class=\"_ _2\"></span>natio<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Russla<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>U<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>aine<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>Kr<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Ene<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>iep<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>inser<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>Einbe<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r W<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>ung von s<span class=\"_ _2\"></span>taa<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Stab<span class=\"_ _2\"></span>ilisie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>d ana<span class=\"_ _2\"></span>lysie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>um d<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>uf a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>aue<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss auf d<span class=\"_ _2\"></span>ie zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>rei <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien h<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>ein B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Verlauf <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>und m<span class=\"_ _2\"></span>it 6<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>gewi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>t wu<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>, sowi<span class=\"_ _2\"></span>e jewei<span class=\"_ _2\"></span>ls ei<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive und e<span class=\"_ _2\"></span>ine p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>ive Ab<span class=\"_ _2\"></span>weichu<span class=\"_ _2\"></span>ng vom B<span class=\"_ _2\"></span>asiss<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>io m<span class=\"_ _2\"></span>it ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>jeweils <span class=\"_ _2\"></span>20 <span class=\"_ _2\"></span>%<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>iogew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>szena<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Pro<span class=\"_ _2\"></span>gnos<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htung<span class=\"_ _3\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Eint<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n kor<span class=\"_ _2\"></span>resp<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Auf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>zum A<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>lusss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>nose<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f ein<span class=\"_ _2\"></span>e he<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>liche <span class=\"_ _2\"></span>Umge<span class=\"_ _2\"></span>bung <span class=\"_ _2\"></span>hinde<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll nie<span class=\"_ _2\"></span>dr<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig ste<span class=\"_ _2\"></span>igend<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e hab<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ECL<span class=\"_ _4\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung genu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten Poin<span class=\"_ _2\"></span>t-in<span class=\"_ _2\"></span>-Time<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>im Vergl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>zum Vorjah<span class=\"_ _2\"></span>r le<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>\u00f6ht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>dre<span class=\"_ _2\"></span>i Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>n jede<span class=\"_ _2\"></span>m Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r I<span class=\"_ _2\"></span>ntens<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>n\u00e4h<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Folge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>em je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rio <span class=\"_ _2\"></span>zugr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>e, wo<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>die ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h die vorha<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>in Verbin<span class=\"_ _2\"></span>dung mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>ng auf <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ausf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten w<span class=\"_ _2\"></span>idersp<span class=\"_ _2\"></span>iegeln:<span class=\"_ _39f\"> </span>Basisszenar<span class=\"_ _2\"></span>io<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Steiger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich zu <span class=\"_ _2\"></span>2024 \u2013 in <span class=\"_ _2\"></span>Relat<span class=\"_ _2\"></span>ion zu<span class=\"_ _2\"></span>r ak<span class=\"_ _3\"></span>tuel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>ting<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>chte<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>rung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Schwac<span class=\"_ _2\"></span>he i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>e Ko<span class=\"_ _2\"></span>njunk<span class=\"_ _3\"></span>tur d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>i Ko<span class=\"_ _2\"></span>nsum u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t inf<span class=\"_ _2\"></span>olge <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r En<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>annung <span class=\"_ _2\"></span>am A<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t weit<span class=\"_ _2\"></span>er zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>nami<span class=\"_ _2\"></span>k ver<span class=\"_ _2\"></span>lang<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>t sich<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gut au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellt<span class=\"_ _2\"></span>e Unt<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate <span class=\"_ _2\"></span>Hau<span class=\"_ _2\"></span>shalt<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n tie<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>Rezessio<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Geopolitische Unsicherheiten k\u00f6nnen Finanzmark<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>volatilit\u00e4t zw<span class=\"_ _2\"></span>ischenzeitlich erh\u00f6hen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Keine <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige L\u00f6s<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Russ<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ukr<span class=\"_ _2\"></span>ain<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>- bz<span class=\"_ _2\"></span>w. des <span class=\"_ _2\"></span>Nah<span class=\"_ _2\"></span>ost-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>onfl<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Natio<span class=\"_ _2\"></span>nale <span class=\"_ _2\"></span>Unsi<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>s Bu<span class=\"_ _2\"></span>dgetd<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>zit<span class=\"_ _2\"></span>, n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Wachst<span class=\"_ _2\"></span>umse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>te h\u00e4<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>\u00f6he u<span class=\"_ _2\"></span>nd </span><span class=\"ls2 ws1\"> </span>der <span class=\"_ _2\"></span>konkr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Ausge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>onsol<span class=\"_ _2\"></span>idier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>ab<span class=\"_ _39f\"> </span>Pessimistischer<span class=\"_ _2\"></span>es (Down<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>)Szenario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Steige<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>namik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>aller<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>als i<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>\u2013 </span><span class=\"ls2 ws1\"> </span>die b<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>bare<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allz<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n lie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>au w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>epu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Euro<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Kr<span class=\"_ _2\"></span>ise un<span class=\"_ _2\"></span>d re<span class=\"_ _2\"></span>duzie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>die n\u00e4<span class=\"_ _2\"></span>chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>5 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Es<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>lati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Uk<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ine bz<span class=\"_ _2\"></span>w. im N<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Globa<span class=\"_ _2\"></span>le Fro<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>d f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>obali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung u<span class=\"_ _2\"></span>nd zur <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n </span>Imp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z\u00f6ll<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die U<span class=\"_ _2\"></span>SA<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Budge<span class=\"_ _2\"></span>tkonso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in \u00d6<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>aste<span class=\"_ _2\"></span>t K<span class=\"_ _2\"></span>onsum <span class=\"_ _2\"></span>und I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen<span class=\"_ _39f\"> </span></span>Optimis<span class=\"_ _2\"></span>tischere<span class=\"_ _2\"></span>s (Up<span class=\"_ _2\"></span>-)Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Deutl<span class=\"_ _2\"></span>ich g<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>inger<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>oaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung hi<span class=\"_ _2\"></span>n zu d<span class=\"_ _2\"></span>en l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ler<span class=\"_ _2\"></span>en Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Kein E<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>, ab<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>flo<span class=\"_ _2\"></span>cker<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>eop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>pannung<span class=\"_ _2\"></span>en </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Produk<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>szugew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu I<span class=\"_ _2\"></span>nfla<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>tum </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Infla<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>t weite<span class=\"_ _2\"></span>r zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k und <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>laub<span class=\"_ _2\"></span>t wei<span class=\"_ _2\"></span>tere <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">R\u00fcckg<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>parqu<span class=\"_ _2\"></span>ote au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Dur<span class=\"_ _2\"></span>chsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dadur<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hter <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>sum </span>Die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n dre<span class=\"_ _2\"></span>i Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m An<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ieg d<span class=\"_ _2\"></span>er Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioau<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>en im V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>let<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lra<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>sisszen<span class=\"_ _2\"></span>ario <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e Steig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>ioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wei J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e ihr<span class=\"_ _2\"></span>en H<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t En<span class=\"_ _2\"></span>de 2<span class=\"_ _2\"></span>025, A<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>2026 e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n so<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>den <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bess<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>de Si<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>sich d<span class=\"_ _2\"></span>amit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tig e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lioaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n an<span class=\"_ _2\"></span>n\u00e4he<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. W<span class=\"_ _2\"></span>\u00e4hre<span class=\"_ _2\"></span>nd im <span class=\"_ _2\"></span>pess<span class=\"_ _2\"></span>imis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io e<span class=\"_ _2\"></span>ine sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ant h<span class=\"_ _2\"></span>\u00f6he<span class=\"_ _2\"></span>re D<span class=\"_ _2\"></span>yn<span class=\"_ _2\"></span>amik <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ller<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>eign<span class=\"_ _2\"></span>isse m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nzah<span class=\"_ _2\"></span>l an <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>ller<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>asissze<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>io unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird, <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wicke<span class=\"_ _2\"></span>ln si<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olioa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llra<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>im op<span class=\"_ _2\"></span>timis<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>io d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>schn<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>nur kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>en LGD<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr unb<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>tes <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>xpos<span class=\"_ _2\"></span>ure (<span class=\"_ _2\"></span>Bla<span class=\"_ _2\"></span>nko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD) liege<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>ie zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n von 45 <span class=\"_ _2\"></span>% bis <span class=\"_ _2\"></span>53 %<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m J<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r LGD<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>se f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te zu <span class=\"_ _2\"></span>keine<span class=\"_ _2\"></span>r \u00c4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des B<span class=\"_ _2\"></span>lan<span class=\"_ _2\"></span>ko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>LGD im <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. zu eine<span class=\"_ _2\"></span>r Verring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>lanko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD im S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n von 5<span class=\"_ _2\"></span>0 % <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>4<span class=\"_ _9\"></span>7 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span> Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>ingm<span class=\"_ _2\"></span>igr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsma<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>izen ak<span class=\"_ _3\"></span>tua<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt S<span class=\"_ _2\"></span>ensi<span class=\"_ _2\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>ten R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge i<span class=\"_ _2\"></span>n Stu<span class=\"_ _2\"></span>fe 1 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 2<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>getr<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>t nac<span class=\"_ _2\"></span>h Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgen\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dar. Nebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r ECL<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Szena<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n in E<span class=\"_ _2\"></span>inzelb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>zeig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die T<span class=\"_ _9\"></span>abell<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ECL<span class=\"_ _4\"></span>-<span class=\"_ _3\"></span>Ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nung oh<span class=\"_ _2\"></span>ne di<span class=\"_ _2\"></span>e Ver<span class=\"_ _2\"></span>wendung <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ook<span class=\"_ _2\"></span>ing I<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ion<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e nur <span class=\"_ _2\"></span>in Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>1 bzw. nur <span class=\"_ _2\"></span>in St<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>en Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay-<span class=\"_ _2\"></span>An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s von B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>enzug<span class=\"_ _2\"></span>eh\u00f6r<span class=\"_ _2\"></span>igk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e die resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>rend<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i durc<span class=\"_ _2\"></span>hg<span class=\"_ _2\"></span>\u00e4ngige<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bl<span class=\"_ _2\"></span>anko<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>LGD<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pa<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>mete<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sens<span class=\"_ _2\"></span>itiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung i<span class=\"_ _2\"></span>n Verbindu<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>ALGAR-<span class=\"_ _3\"></span>Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>kons<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>spal<span class=\"_ _2\"></span>ten ze<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 un<span class=\"_ _2\"></span>d Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei e<span class=\"_ _2\"></span>in p<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>ves Vorzeic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hung de<span class=\"_ _2\"></span>r Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ves Vorze<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Reduk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spal<span class=\"_ _2\"></span>te en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pri<span class=\"_ _2\"></span>cht d<span class=\"_ _2\"></span>er Summe <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>es Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Spalt<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r da<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>s res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikovors<span class=\"_ _2\"></span>orge <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>ige Se<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sensitivit\u00e4t der Risiko<span class=\"_ _4\"></span>vorsorge <span class=\"ls2\"> </span>in Stufe 1 und Stufe 2 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _221\"> </span><span class=\"fs6 lsb1 wscb\">Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 1<span class=\"_ _f5\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2<span class=\"_ _39f\"> </span></span>Stufe 1 + Stuf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> 2<span class=\"_ _128\"> </span><span class=\"lse wse\">Gesamt<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _222\"> </span>24.631<span class=\"_ _eb\"> </span>68.616<span class=\"_ _f4\"> </span>93.246<span class=\"_ _eb\"> </span>93.246<span class=\"_ _39f\"> </span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212986<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.648<span class=\"_ _eb\"> </span><span class=\"ff5\">91.599<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+6.711<span class=\"_ _114\"> </span>+5.898<span class=\"_ _144\"> </span>+12.609<span class=\"_ _112\"> </span><span class=\"ff5\">105.855<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22123.754<span class=\"_ _114\"> </span>\u22123.911<span class=\"_ _59\"> </span>\u22127.665<span class=\"_ _f4\"> </span><span class=\"ff5\">85.581<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22124.800<span class=\"_ _114\"> </span>\u22125.511<span class=\"_ _144\"> </span>\u221210.312<span class=\"_ _f4\"> </span><span class=\"ff5\">82.935<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22127.044<span class=\"_ _114\"> </span>\u22128.397<span class=\"_ _144\"> </span>\u221215.441<span class=\"_ _eb\"> </span><span class=\"ff5\">77.806<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+52.441<span class=\"_ _144\"> </span></span>\u221268.616<span class=\"_ _12d\"> </span>\u221216.175<span class=\"_ _f4\"> </span><span class=\"ff5\">77.072<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221224.631<span class=\"_ _144\"> </span><span class=\"ff2\">+80.854<span class=\"_ _12d\"> </span>+56.224<span class=\"_ _112\"> </span><span class=\"ff5\">149.470<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+6.094<span class=\"_ _144\"> </span></span>\u221243.073<span class=\"_ _12d\"> </span>\u221236.979<span class=\"_ _eb\"> </span><span class=\"ff5\">56.267<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22128.497<span class=\"_ _114\"> </span>\u22129.582<span class=\"_ _144\"> </span>\u221218.079<span class=\"_ _eb\"> </span><span class=\"ff5\">75.167<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+5.976<span class=\"_ _114\"> </span>+6.770<span class=\"_ _144\"> </span>+12.746<span class=\"_ _112\"> </span><span class=\"ff5\">105.992<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tberichtigungen Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _1d2\"> </span><span class=\"wse\">13.245<span class=\"_ _f4\"> </span>39.934<span class=\"_ _eb\"> </span>53.178<span class=\"_ _f4\"> </span>53.178<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212515<span class=\"_ _57\"> </span>\u2212449<span class=\"_ _57\"> </span>\u2212964<span class=\"_ _eb\"> </span><span class=\"ff5\">52.214<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+3.680<span class=\"_ _114\"> </span>+3.965<span class=\"_ _59\"> </span>+7.646<span class=\"_ _f4\"> </span><span class=\"ff5\">60.824<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22122.015<span class=\"_ _114\"> </span>\u22122.721<span class=\"_ _59\"> </span>\u22124.737<span class=\"_ _f4\"> </span><span class=\"ff5\">48.441<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22122.592<span class=\"_ _114\"> </span>\u22123.438<span class=\"_ _114\"> </span>\u22126.030<span class=\"_ _eb\"> </span><span class=\"ff5\">47.148<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22123.800<span class=\"_ _114\"> </span>\u22125.607<span class=\"_ _59\"> </span>\u22129.407<span class=\"_ _f4\"> </span><span class=\"ff5\">43.771<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+27.459<span class=\"_ _144\"> </span></span>\u221239.934<span class=\"_ _12d\"> </span>\u221212.475<span class=\"_ _f4\"> </span><span class=\"ff5\">40.704<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _1ca\"> </span>\u221213.245<span class=\"_ _144\"> </span><span class=\"ff2\">+49.634<span class=\"_ _12d\"> </span>+36.389<span class=\"_ _f4\"> </span><span class=\"ff5\">89.568<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+3.759<span class=\"_ _144\"> </span></span>\u221228.624<span class=\"_ _12d\"> </span>\u221224.865<span class=\"_ _eb\"> </span><span class=\"ff5\">28.314<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22124.595<span class=\"_ _114\"> </span>\u22126.683<span class=\"_ _144\"> </span>\u221211.278<span class=\"_ _eb\"> </span><span class=\"ff5\">41.900<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+3.383<span class=\"_ _114\"> </span>+4.783<span class=\"_ _59\"> </span>+8.167<span class=\"_ _f4\"> </span><span class=\"ff5\">61.345<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen nicht ausg<span class=\"_ _9\"></span>en\u00fctzte Rahmen<span class=\"_ _b5\"> </span><span class=\"wse\">8.298<span class=\"_ _f4\"> </span>13.174<span class=\"_ _eb\"> </span>21.471<span class=\"_ _f4\"> </span>21.471<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212349<span class=\"_ _57\"> </span>\u2212119<span class=\"_ _57\"> </span>\u2212468<span class=\"_ _eb\"> </span><span class=\"ff5\">21.004<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+2.200<span class=\"_ _114\"> </span>+1.207<span class=\"_ _59\"> </span>+3.407<span class=\"_ _f4\"> </span><span class=\"ff5\">24.878<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u22121.273<span class=\"_ _57\"> </span>\u2212747<span class=\"_ _114\"> </span>\u22122.020<span class=\"_ _eb\"> </span><span class=\"ff5\">19.451<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _d0\"> </span><span class=\"lse wse\">\u22121.604<span class=\"_ _114\"> </span>\u22121.411<span class=\"_ _114\"> </span>\u22123.015<span class=\"_ _eb\"> </span><span class=\"ff5\">18.456<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u22122.347<span class=\"_ _114\"> </span>\u22122.005<span class=\"_ _59\"> </span>\u22124.352<span class=\"_ _f4\"> </span><span class=\"ff5\">17.119<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+10.379<span class=\"_ _144\"> </span></span>\u221213.174<span class=\"_ _114\"> </span>\u22122.794<span class=\"_ _f4\"> </span><span class=\"ff5\">18.677<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22128.298<span class=\"_ _144\"> </span><span class=\"ff2\">+25.389<span class=\"_ _12d\"> </span>+17.091<span class=\"_ _eb\"> </span><span class=\"ff5\">38.563<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _224\"> </span><span class=\"ff2\">+1.632<span class=\"_ _144\"> </span></span>\u221210.427<span class=\"_ _114\"> </span>\u22128.794<span class=\"_ _eb\"> </span><span class=\"ff5\">12.677<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22122.854<span class=\"_ _114\"> </span>\u22121.825<span class=\"_ _59\"> </span>\u22124.680<span class=\"_ _f4\"> </span><span class=\"ff5\">16.792<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _225\"> </span><span class=\"ff2\">+1.891<span class=\"_ _114\"> </span>+1.270<span class=\"_ _59\"> </span>+3.160<span class=\"_ _f4\"> </span><span class=\"ff5\">24.632<span class=\"_ _39f\"> </span></span></span>R\u00fcckstellungen Garantien<span class=\"_ _226\"> </span><span class=\"wse\">3.088<span class=\"_ _eb\"> </span>15.508<span class=\"_ _f4\"> </span>18.597<span class=\"_ _eb\"> </span>18.597<span class=\"_ _39f\"> </span></span>Nach Szenario<span class=\"_ _39f\"> </span>Basisszenario<span class=\"_ _39f\"> </span>\u2212122<span class=\"_ _4f\"> </span>\u221294<span class=\"_ _14b\"> </span>\u2212216<span class=\"_ _f4\"> </span><span class=\"ff5\">18.381<span class=\"_ _39f\"> </span></span>Negatives Sz<span class=\"_ _9\"></span>enario<span class=\"_ _39f\"> </span>+831<span class=\"_ _57\"> </span>+725<span class=\"_ _114\"> </span>+1.556<span class=\"_ _eb\"> </span><span class=\"ff5\">20.153<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>\u2212466<span class=\"_ _57\"> </span>\u2212442<span class=\"_ _57\"> </span>\u2212909<span class=\"_ _eb\"> </span><span class=\"ff5\">17.688<span class=\"_ _39f\"> </span></span>ECL-Berechnung ohne FLI-Anpassungen der PDs<span class=\"_ _5\"> </span>ohn<span class=\"_ _2\"></span>e Skalierung<span class=\"_ _b0\"> </span><span class=\"lse wse\">\u2212604<span class=\"_ _57\"> </span>\u2212662<span class=\"_ _114\"> </span>\u22121.267<span class=\"_ _eb\"> </span><span class=\"ff5\">17.330<span class=\"_ _39f\"> </span></span></span>Skalierung au<span class=\"_ _2\"></span>f langfristige Portfolioausf<span class=\"_ _2\"></span>allraten<span class=\"_ _39f\"> </span>\u2212896<span class=\"_ _57\"> </span>\u2212785<span class=\"_ _114\"> </span>\u22121.681<span class=\"_ _eb\"> </span><span class=\"ff5\">16.915<span class=\"_ _39f\"> </span></span>Kein Staging<span class=\"_ _223\"> </span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>1<span class=\"_ _1ca\"> </span><span class=\"ff2\">+14.603<span class=\"_ _144\"> </span></span>\u221215.508<span class=\"_ _57\"> </span>\u2212906<span class=\"_ _f4\"> </span><span class=\"ff5\">17.691<span class=\"_ _39f\"> </span></span>Alle Gesch\u00e4f<span class=\"_ _2\"></span>te in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _d3\"> </span>\u22123.088<span class=\"_ _114\"> </span><span class=\"ff2\">+5.831<span class=\"_ _59\"> </span>+2.743<span class=\"_ _f4\"> </span><span class=\"ff5\">21.340<span class=\"_ _39f\"> </span></span></span>Kein Overlay<span class=\"_ _227\"> </span><span class=\"ff2\">+703<span class=\"_ _114\"> </span></span>\u22124.023<span class=\"_ _59\"> </span>\u22123.320<span class=\"_ _f4\"> </span><span class=\"ff5\">15.277<span class=\"_ _39f\"> </span></span>Parameter V<span class=\"_ _9\"></span>erlustquote bei Ausfall <span class=\"ff2\"> </span>(Bla<span class=\"_ _9\"></span>nk<span class=\"_ _9\"></span>o-L<span class=\"_ _4\"></span>GD)<span class=\"_ _9\"></span> auf un<span class=\"_ _2\"></span>besicher<span class=\"_ _2\"></span>tes Exposure<span class=\"_ _39f\"> </span>35 %<span class=\"_ _225\"> </span>\u22121.047<span class=\"_ _114\"> </span>\u22121.074<span class=\"_ _59\"> </span>\u22122.121<span class=\"_ _f4\"> </span><span class=\"ff5\">16.475<span class=\"_ _39f\"> </span></span>65 %<span class=\"_ _151\"> </span><span class=\"ff2\">+702<span class=\"_ _57\"> </span>+717<span class=\"_ _114\"> </span>+1.419<span class=\"_ _eb\"> </span><span class=\"ff5\">20.016<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>lust<span class=\"_ _2\"></span>e sin<span class=\"_ _2\"></span>d in d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab Seit<span class=\"_ _2\"></span>e 30<span class=\"_ _3\"></span>4 und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>hang<span class=\"_ _2\"></span>sang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b Se<span class=\"_ _2\"></span>ite 335 be<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>r\u00fcb<span class=\"_ _2\"></span>er h<span class=\"_ _2\"></span>inaus <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht ab Se<span class=\"_ _2\"></span>ite 373 we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Dar<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikosit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von ge<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>\u00e4nen k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n es zu ei<span class=\"_ _2\"></span>nem B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>verlu<span class=\"_ _2\"></span>st bz<span class=\"_ _2\"></span>w. -gew<span class=\"_ _2\"></span>inn de<span class=\"_ _2\"></span>s einzel<span class=\"_ _2\"></span>nen K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s komme<span class=\"_ _2\"></span>n, der in d<span class=\"_ _2\"></span>er Rege<span class=\"_ _2\"></span>l mit e<span class=\"_ _2\"></span>iner e<span class=\"_ _2\"></span>inma<span class=\"_ _2\"></span>ligen A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung des B<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tobu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>ts a<span class=\"_ _2\"></span>ls unwese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he Mo<span class=\"_ _2\"></span>difik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion die<span class=\"_ _2\"></span>ses Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages i<span class=\"_ _2\"></span>n der Ge<span class=\"_ _2\"></span>-<span class=\"ff2\"> </span>winn<span class=\"_ _2\"></span>- und V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung der BT<span class=\"_ _3\"></span>V er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst wi<span class=\"_ _2\"></span>rd. Im J<span class=\"_ _2\"></span>ahr 2024 <span class=\"_ _9\"></span>wurd<span class=\"_ _2\"></span>en diesb<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich +<span class=\"_ _4\"></span>352 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>20<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _2\"></span>) im Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ergebnis <span class=\"_ _9\"></span>ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>e De<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ils zu<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>ab S<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>4 beschrieben",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-623": {
   "value": "Ereigniss<span class=\"_ _9\"></span>e nach dem <span class=\"_ _2\"></span>Bilanzstichtag<span class=\"_ _39f\"> </span>Z<span class=\"_ _9\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjahr<span class=\"_ _2\"></span>es u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usses <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>n ke<span class=\"_ _2\"></span>ine we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Ereig<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>das i<span class=\"_ _2\"></span>m vor<span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>vermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>ild d<span class=\"_ _2\"></span>er Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>-, F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nz- und <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>slag<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>fluss<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>omit ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n m\u00fcss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-533": {
   "value": "Anw<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ndung ge\u00e4nder<span class=\"_ _2\"></span>ter<span class=\"_ _4\"></span>/neuer IFR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-/I<span class=\"_ _9\"></span>AS<span class=\"_ _2\"></span>-St<span class=\"_ _2\"></span>andards Erstanwendun<span class=\"_ _9\"></span>g der <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S und <span class=\"_ _2\"></span>Endorsement<span class=\"_ _39f\"> </span>Inkraf<span class=\"_ _2\"></span>ttreten f\u00fcr k<span class=\"_ _2\"></span>alendergleich<span class=\"_ _2\"></span>e Gesch\u00e4f<span class=\"_ _2\"></span>tsjahre beginnend ab:<span class=\"_ _39f\"> </span>2027<span class=\"_ _228\"></span><span class=\"_ _39f\"> </span>2025<span class=\"_ _c3\"> </span>2026<span class=\"_ _228\"></span><span class=\"_ _39f\"> </span>2024<span class=\"_ _39f\"> </span>IFRS 10/IAS 28<span class=\"_ _39f\"> </span>Sale or Contribution <span class=\"ff2\"> </span>of Assets<span class=\"_ _39f\"> </span>(V<span class=\"_ _9\"></span>er\u00f6ffentlichung 2014)<span class=\"_ _39f\"> </span>IFRS 18<span class=\"_ _39f\"> </span>Presentation and Disclosure in Financial Statements<span class=\"_ _39f\"> </span>IFRS 19<span class=\"_ _39f\"> </span>Subsidiaries without Public Accountability<span class=\"_ _2\"></span>: Disclosures<span class=\"_ _39f\"> </span>IAS 21<span class=\"_ _39f\"> </span>Lack of Exchangeability<span class=\"_ _39f\"> </span>IFRS 9 / I<span class=\"_ _2\"></span>FRS 7<span class=\"_ _39f\"> </span>Amendments to the Classification and <span class=\"ff2\"> </span>Measurement of <span class=\"ff2\"> </span>Financial Instrum<span class=\"_ _2\"></span>ents<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _39f\"> </span>Classification of Liabilities as Current or Non-current<span class=\"_ _39f\"> </span>IFRS 16<span class=\"_ _39f\"> </span>Lease Liability in a Sale an<span class=\"_ _2\"></span>d Leaseback<span class=\"_ _39f\"> </span>AIP V<span class=\"_ _4\"></span>olum<span class=\"_ _2\"></span>e 11<span class=\"_ _39f\"> </span>IFR<span class=\"_ _2\"></span>S 1, IFR<span class=\"_ _2\"></span>S 7, IFR<span class=\"_ _2\"></span>S 9, <span class=\"ff2\"> </span>IFR<span class=\"_ _2\"></span>S 10, IAS 7<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _39f\"> </span>Non-current Liabilities with Co<span class=\"_ _9\"></span>venants<span class=\"_ _39f\"> </span>IAS 7 / IFRS 7<span class=\"_ _39f\"> </span>Supplier Finan<span class=\"_ _2\"></span>ce<span class=\"ff2\"> </span>Arrangements<span class=\"_ _39f\"> </span>01.01.<span class=\"_ _75\"> </span>01.01.<span class=\"_ _16d\"> </span>01.01.<span class=\"_ _75\"> </span>01.01.<span class=\"_ _39f\"> </span>Zeitpunkt des Inkraf<span class=\"_ _2\"></span>ttretens auf unbestimmte Zeit verschoben<span class=\"_ _39f\"> </span>Kur<span class=\"_ _2\"></span>z\u00fcber<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Regelungsinhalte<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4:<span class=\"_ _39f\"> </span>IAS 1: Class<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span>cation <span class=\"_ _2\"></span>of <span class=\"_ _2\"></span>Liabilitie<span class=\"_ _2\"></span>s a<span class=\"_ _2\"></span>s Curre<span class=\"_ _2\"></span>nt or <span class=\"_ _2\"></span>Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>rent<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 23<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020<span class=\"_ _2\"></span>; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>dor<span class=\"_ _2\"></span>seme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>: 19<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>1 so<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>als k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- od<span class=\"_ _2\"></span>er l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ig k<span class=\"_ _2\"></span>lars<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>. Zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig solle<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sschl<span class=\"_ _2\"></span>ie\u00dflic<span class=\"_ _2\"></span>h \u201e<span class=\"_ _2\"></span>Rec<span class=\"_ _2\"></span>hte\u201c<span class=\"_ _4\"></span>, di<span class=\"_ _2\"></span>e am E<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nzen<span class=\"_ _2\"></span>de Le<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>nien <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Ausle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Rech<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>um mi<span class=\"_ _2\"></span>ndes<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>s z<span class=\"_ _2\"></span>w\u00f6lf M<span class=\"_ _2\"></span>onate <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hieb<span class=\"_ _2\"></span>en\u201c sowie E<span class=\"_ _2\"></span>rl\u00e4<span class=\"_ _2\"></span>uter<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Mer<span class=\"_ _2\"></span>km<span class=\"_ _2\"></span>al \u201e<span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllung\u201c <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Hinwei<span class=\"_ _2\"></span>s: Di<span class=\"_ _2\"></span>e am <span class=\"_ _2\"></span>23.<span class=\"_ _2\"></span>01.2<span class=\"_ _2\"></span>020 ver<span class=\"_ _2\"></span>\u00f6f<span class=\"_ _3\"></span>fent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>\u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>an I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 s<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>dung f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr<span class=\"_ _2\"></span>e vor<span class=\"_ _9\"></span>, die <span class=\"_ _2\"></span>am oder <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m 01.01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2022 <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te a<span class=\"_ _2\"></span>m 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>0 \u201eClassi<span class=\"_ _2\"></span>fic<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on of <span class=\"_ _2\"></span>Liab<span class=\"_ _2\"></span>iliti<span class=\"_ _2\"></span>es as <span class=\"_ _2\"></span>Curr<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>or N<span class=\"_ _2\"></span>on<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nt \u2013 <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Def<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>l of <span class=\"_ _2\"></span>Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive Da<span class=\"_ _2\"></span>te\u201c vera<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>dam<span class=\"_ _2\"></span>it da<span class=\"_ _2\"></span>s Da<span class=\"_ _2\"></span>tum d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>hten<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf den <span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.01.2<span class=\"_ _2\"></span>023 ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>am 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>10.<span class=\"_ _2\"></span>2022 ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>bschi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>urr<span class=\"_ _2\"></span>ent L<span class=\"_ _2\"></span>iabil<span class=\"_ _2\"></span>itie<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>th Coven<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>s\u201c wurde d<span class=\"_ _2\"></span>as D<span class=\"_ _2\"></span>atum der <span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Anwe<span class=\"_ _2\"></span>ndung d<span class=\"_ _2\"></span>er \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen n<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>mals <span class=\"_ _2\"></span>versc<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en \u2013 <span class=\"_ _2\"></span>nunm<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>en 01.01.2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4.<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6: Lea<span class=\"_ _2\"></span>se Liabil<span class=\"_ _2\"></span>ity in a S<span class=\"_ _2\"></span>ale an<span class=\"_ _2\"></span>d Leas<span class=\"_ _2\"></span>ebac<span class=\"_ _2\"></span>k<span class=\"_ _39f\"> </span>(IASB<span class=\"_ _3\"></span>-V<span class=\"_ _10\"></span>er\u00f6f<span class=\"_ _2\"></span>fentlichung: 22<span class=\"_ _2\"></span>.09.<span class=\"_ _2\"></span>2022; EU-<span class=\"_ _2\"></span>Endorsemen<span class=\"_ _9\"></span>t: 20.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2023)<span class=\"_ _39f\"> </span>Die \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet Vorg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung bei L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>en im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>es Sal<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>aseb<span class=\"_ _2\"></span>ack (S<span class=\"_ _2\"></span>LB) f\u00fcr V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fer-<span class=\"_ _2\"></span>Leas<span class=\"_ _2\"></span>ingn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Hierd<span class=\"_ _2\"></span>urch s<span class=\"_ _2\"></span>oll vor all<span class=\"_ _2\"></span>em die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung von L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, u<span class=\"_ _2\"></span>m so unange<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ene G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>nrea<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en zu ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ds\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>lich f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t die \u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung dazu<span class=\"_ _2\"></span>, dass b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n eine<span class=\"_ _2\"></span>s SLB di<span class=\"_ _2\"></span>e zu La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tbeg<span class=\"_ _2\"></span>inn e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen zu b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htige<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. In j<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r Perio<span class=\"_ _2\"></span>de wir<span class=\"_ _2\"></span>d die Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit u<span class=\"_ _2\"></span>m die er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n reduz<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t und die Di<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>enz zu de<span class=\"_ _2\"></span>n ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>folgswirksam er<span class=\"_ _2\"></span>fasst<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _9\"></span>: Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>rent Liabil<span class=\"_ _2\"></span>ities w<span class=\"_ _2\"></span>ith Covenant<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>10.2<span class=\"_ _2\"></span>022; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 19.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>hinsic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- ode<span class=\"_ _2\"></span>r l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig <span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur Neb<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>in U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>am o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>en mu<span class=\"_ _2\"></span>ss, <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eei<span class=\"_ _2\"></span>nflu<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. Alle<span class=\"_ _2\"></span>rding<span class=\"_ _2\"></span>s mu<span class=\"_ _2\"></span>ss ei<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m An<span class=\"_ _2\"></span>hang I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>enl<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie es <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>adre<span class=\"_ _2\"></span>ssat<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko zu ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it N<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb von <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>w\u00f6lf <span class=\"_ _2\"></span>Mona<span class=\"_ _2\"></span>ten r<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lbar <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n k\u00f6n<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Suppli<span class=\"_ _2\"></span>er Fin<span class=\"_ _2\"></span>ance Ar<span class=\"_ _2\"></span>rang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s (<span class=\"_ _9\"></span>Amendm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s to IAS 7 an<span class=\"_ _2\"></span>d IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7)<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 25<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>05.<span class=\"_ _3\"></span>2023; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>5.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>soll <span class=\"_ _2\"></span>die T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>pare<span class=\"_ _2\"></span>nz von <span class=\"_ _2\"></span>Lie<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>enfi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>inbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ausw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ca<span class=\"_ _2\"></span>shflow<span class=\"_ _2\"></span>s und <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko ein<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nzen <span class=\"_ _2\"></span>die ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>eanf<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>dahing<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive un<span class=\"_ _2\"></span>d qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>inbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgung <span class=\"_ _2\"></span>zu s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2025:<span class=\"_ _39f\"> </span>IAS 21<span class=\"_ _9\"></span>: Lack o<span class=\"_ _2\"></span>f E<span class=\"_ _2\"></span>xchange<span class=\"_ _2\"></span>abilit<span class=\"_ _2\"></span>y<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8.<span class=\"_ _3\"></span>2023; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1.2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>21 ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob eine <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ne an<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e W\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>umt<span class=\"_ _2\"></span>ausc<span class=\"_ _2\"></span>hbar <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>es nic<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>all i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>mmung d<span class=\"_ _2\"></span>es z<span class=\"_ _2\"></span>u ver<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dend<span class=\"_ _2\"></span>en Wechse<span class=\"_ _2\"></span>lku<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ngang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>usw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rds si<span class=\"_ _2\"></span>nd unwes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2026:<span class=\"_ _39f\"> </span>Amen<span class=\"_ _2\"></span>dment<span class=\"_ _2\"></span>s t<span class=\"_ _2\"></span>o th<span class=\"_ _2\"></span>e Cla<span class=\"_ _2\"></span>ssi<span class=\"_ _2\"></span>fica<span class=\"_ _2\"></span>tion a<span class=\"_ _2\"></span>nd Me<span class=\"_ _2\"></span>asu<span class=\"_ _2\"></span>reme<span class=\"_ _2\"></span>nt of <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>ancia<span class=\"_ _2\"></span>l In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ument<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>Amendm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s to <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024; EU<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 7 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>he:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Klassifizie<span class=\"_ _2\"></span>rung fina<span class=\"_ _2\"></span>nzieller Verm\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>:</span><span class=\"ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> Zi<span class=\"_ _2\"></span>nskomp<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>,<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ode<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>r ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>e \u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n ink<span class=\"_ _2\"></span>l. <span class=\"_ _2\"></span>dazug<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span> <span class=\"_ _10\"></span>h\u00f6rig<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>,<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> nic<span class=\"_ _2\"></span>ht r<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fs<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>non<span class=\"_ _2\"></span>-r<span class=\"_ _2\"></span>ecou<span class=\"_ _2\"></span>rse),<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>ch ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>n\u00fcpf<span class=\"_ _3\"></span>te I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>contr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>y linke<span class=\"_ _2\"></span>d in<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s<span class=\"_ _9\"></span>) und<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ausbuch<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h el<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ronis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verke<span class=\"_ _2\"></span>hr e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>ten fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Anga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>zu Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span></span>Annual Improv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ments V<span class=\"_ _9\"></span>olume 1<span class=\"_ _10\"></span>1<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 18.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2024; EU<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen)<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n an <span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1, IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>, I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9, IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10 und I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _9\"></span>7<span class=\"_ _4\"></span>:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>8: Pre<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>ation a<span class=\"_ _2\"></span>nd Di<span class=\"_ _2\"></span>sclos<span class=\"_ _2\"></span>ure in Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al Stat<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nts<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023; EU<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: of<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>e Sta<span class=\"_ _2\"></span>ndar<span class=\"_ _2\"></span>d I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 18 wird <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>rig<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ard I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 <span class=\"_ _2\"></span>Pres<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on of <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al St<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>ielse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Era<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>uen <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dards <span class=\"_ _2\"></span>lag <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er Verb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>die fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns mi<span class=\"_ _2\"></span>t Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng. Zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Neu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>\u00f6ren <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fch<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung <span class=\"_ _2\"></span>von vord<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>ten Zwisc<span class=\"_ _2\"></span>hens<span class=\"_ _2\"></span>umme<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tegor<span class=\"_ _2\"></span>isie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung<span class=\"_ _3\"></span>, V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Verbess<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Post<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>ie Ein<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung von Ang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n von d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsle<span class=\"_ _2\"></span>itung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sken<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hlen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9: Sub<span class=\"_ _2\"></span>sidia<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>s witho<span class=\"_ _2\"></span>ut Public Account<span class=\"_ _2\"></span>abilit<span class=\"_ _2\"></span>y: D<span class=\"_ _2\"></span>iscl<span class=\"_ _2\"></span>osure<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024; EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>e Sta<span class=\"_ _2\"></span>ndar<span class=\"_ _2\"></span>d I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 19 erm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>uzier<span class=\"_ _3\"></span>te A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>enz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>es di<span class=\"_ _2\"></span>e IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andar<span class=\"_ _2\"></span>ds in <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>anwend<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9 ist <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r inf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>age ko<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>de T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en optio<span class=\"_ _2\"></span>nal <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>und l<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>abevor<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>es Stan<span class=\"_ _2\"></span>dards <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>f <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9 nur <span class=\"_ _2\"></span>anwend<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>(1<span class=\"_ _10\"></span>) <span class=\"_ _2\"></span>es e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, (<span class=\"_ _2\"></span>2) es ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r \u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tsp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>(3) da<span class=\"_ _2\"></span>s ob<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>heng<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>r \u00d6<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>zug<span class=\"_ _2\"></span>\u00e4ngli<span class=\"_ _2\"></span>ch is<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r im <span class=\"_ _2\"></span>Eink<span class=\"_ _2\"></span>lang m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Kein <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>orsem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>: Regul<span class=\"_ _2\"></span>ator<span class=\"_ _2\"></span>y D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ral Account<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>201<span class=\"_ _9\"></span>4; EU<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>dors<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>: nic<span class=\"_ _2\"></span>ht b<span class=\"_ _2\"></span>eabs<span class=\"_ _2\"></span>ichtig<span class=\"_ _3\"></span>t)<span class=\"_ _39f\"> </span>Nur <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e na<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>rig<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>sl<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>vors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten r<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>lator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>he Abg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>ungsp<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, is<span class=\"_ _2\"></span>t ge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rhin <span class=\"_ _2\"></span>zu t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rd is<span class=\"_ _2\"></span>t al<span class=\"_ _2\"></span>s kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e Zwische<span class=\"_ _2\"></span>nl\u00f6su<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>dach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, bi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B se<span class=\"_ _2\"></span>in l\u00e4<span class=\"_ _2\"></span>nger<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tiges <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>ndes <span class=\"_ _2\"></span>Proj<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu p<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vor<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00e4<span class=\"_ _2\"></span>llen absc<span class=\"_ _2\"></span>hlie\u00dft<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zeitpunkt <span class=\"_ _2\"></span>des lnkraf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tretens auf <span class=\"_ _2\"></span>unbestimmte Zeit verschoben:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10<span class=\"_ _4\"></span>/<span class=\"_ _2\"></span>IAS 28<span class=\"_ _2\"></span>: Sal<span class=\"_ _2\"></span>e or Contr<span class=\"_ _2\"></span>ibution o<span class=\"_ _2\"></span>f As<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>s bet<span class=\"_ _2\"></span>wee<span class=\"_ _2\"></span>n an Invest<span class=\"_ _2\"></span>or and it<span class=\"_ _2\"></span>s A<span class=\"_ _2\"></span>ssoc<span class=\"_ _2\"></span>iate or J<span class=\"_ _2\"></span>oint Venture<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>.0<span class=\"_ _2\"></span>9.<span class=\"_ _2\"></span>2014; EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r J<span class=\"_ _2\"></span>oint Ventur<span class=\"_ _2\"></span>e das Ausma\u00df <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>davon <span class=\"_ _2\"></span>abh\u00e4ng<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b die <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ingeb<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b dars<span class=\"_ _2\"></span>tellen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>s Ink<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>vom I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>SB <span class=\"_ _2\"></span>im De<span class=\"_ _2\"></span>zemb<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>auf u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mte Ze<span class=\"_ _2\"></span>it ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hobe<span class=\"_ _2\"></span>n wor<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bis <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>For<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rojek<span class=\"_ _3\"></span>t zur <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>etho<span class=\"_ _2\"></span>de a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-9": {
   "value": "Anw<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ndung ge\u00e4nder<span class=\"_ _2\"></span>ter<span class=\"_ _4\"></span>/neuer IFR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-/I<span class=\"_ _9\"></span>AS<span class=\"_ _2\"></span>-St<span class=\"_ _2\"></span>andards Erstanwendun<span class=\"_ _9\"></span>g der <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S und <span class=\"_ _2\"></span>Endorsement<span class=\"_ _39f\"> </span>Inkraf<span class=\"_ _2\"></span>ttreten f\u00fcr k<span class=\"_ _2\"></span>alendergleich<span class=\"_ _2\"></span>e Gesch\u00e4f<span class=\"_ _2\"></span>tsjahre beginnend ab:<span class=\"_ _39f\"> </span>2027<span class=\"_ _228\"></span><span class=\"_ _39f\"> </span>2025<span class=\"_ _c3\"> </span>2026<span class=\"_ _228\"></span><span class=\"_ _39f\"> </span>2024<span class=\"_ _39f\"> </span>IFRS 10/IAS 28<span class=\"_ _39f\"> </span>Sale or Contribution <span class=\"ff2\"> </span>of Assets<span class=\"_ _39f\"> </span>(V<span class=\"_ _9\"></span>er\u00f6ffentlichung 2014)<span class=\"_ _39f\"> </span>IFRS 18<span class=\"_ _39f\"> </span>Presentation and Disclosure in Financial Statements<span class=\"_ _39f\"> </span>IFRS 19<span class=\"_ _39f\"> </span>Subsidiaries without Public Accountability<span class=\"_ _2\"></span>: Disclosures<span class=\"_ _39f\"> </span>IAS 21<span class=\"_ _39f\"> </span>Lack of Exchangeability<span class=\"_ _39f\"> </span>IFRS 9 / I<span class=\"_ _2\"></span>FRS 7<span class=\"_ _39f\"> </span>Amendments to the Classification and <span class=\"ff2\"> </span>Measurement of <span class=\"ff2\"> </span>Financial Instrum<span class=\"_ _2\"></span>ents<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _39f\"> </span>Classification of Liabilities as Current or Non-current<span class=\"_ _39f\"> </span>IFRS 16<span class=\"_ _39f\"> </span>Lease Liability in a Sale an<span class=\"_ _2\"></span>d Leaseback<span class=\"_ _39f\"> </span>AIP V<span class=\"_ _4\"></span>olum<span class=\"_ _2\"></span>e 11<span class=\"_ _39f\"> </span>IFR<span class=\"_ _2\"></span>S 1, IFR<span class=\"_ _2\"></span>S 7, IFR<span class=\"_ _2\"></span>S 9, <span class=\"ff2\"> </span>IFR<span class=\"_ _2\"></span>S 10, IAS 7<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _39f\"> </span>Non-current Liabilities with Co<span class=\"_ _9\"></span>venants<span class=\"_ _39f\"> </span>IAS 7 / IFRS 7<span class=\"_ _39f\"> </span>Supplier Finan<span class=\"_ _2\"></span>ce<span class=\"ff2\"> </span>Arrangements<span class=\"_ _39f\"> </span>01.01.<span class=\"_ _75\"> </span>01.01.<span class=\"_ _16d\"> </span>01.01.<span class=\"_ _75\"> </span>01.01.<span class=\"_ _39f\"> </span>Zeitpunkt des Inkraf<span class=\"_ _2\"></span>ttretens auf unbestimmte Zeit verschoben<span class=\"_ _39f\"> </span>Kur<span class=\"_ _2\"></span>z\u00fcber<span class=\"_ _2\"></span>sicht <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Regelungsinhalte<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4:<span class=\"_ _39f\"> </span>IAS 1: Class<span class=\"_ _2\"></span>ifi<span class=\"_ _2\"></span>cation <span class=\"_ _2\"></span>of <span class=\"_ _2\"></span>Liabilitie<span class=\"_ _2\"></span>s a<span class=\"_ _2\"></span>s Curre<span class=\"_ _2\"></span>nt or <span class=\"_ _2\"></span>Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>rent<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 23<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2020<span class=\"_ _2\"></span>; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>dor<span class=\"_ _2\"></span>seme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>: 19<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>1 so<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>zur K<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>sifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>als k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- od<span class=\"_ _2\"></span>er l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ig k<span class=\"_ _2\"></span>lars<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>. Zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tig solle<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sschl<span class=\"_ _2\"></span>ie\u00dflic<span class=\"_ _2\"></span>h \u201e<span class=\"_ _2\"></span>Rec<span class=\"_ _2\"></span>hte\u201c<span class=\"_ _4\"></span>, di<span class=\"_ _2\"></span>e am E<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, ma<span class=\"_ _2\"></span>\u00dfgebli<span class=\"_ _2\"></span>ch f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>sein<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nzen<span class=\"_ _2\"></span>de Le<span class=\"_ _2\"></span>itli<span class=\"_ _2\"></span>nien <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Ausle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>iums <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Rech<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>f\u00fcll<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld <span class=\"_ _2\"></span>um mi<span class=\"_ _2\"></span>ndes<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>s z<span class=\"_ _2\"></span>w\u00f6lf M<span class=\"_ _2\"></span>onate <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hieb<span class=\"_ _2\"></span>en\u201c sowie E<span class=\"_ _2\"></span>rl\u00e4<span class=\"_ _2\"></span>uter<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Mer<span class=\"_ _2\"></span>km<span class=\"_ _2\"></span>al \u201e<span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllung\u201c <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Hinwei<span class=\"_ _2\"></span>s: Di<span class=\"_ _2\"></span>e am <span class=\"_ _2\"></span>23.<span class=\"_ _2\"></span>01.2<span class=\"_ _2\"></span>020 ver<span class=\"_ _2\"></span>\u00f6f<span class=\"_ _3\"></span>fent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>\u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>an I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 s<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>dung f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr<span class=\"_ _2\"></span>e vor<span class=\"_ _9\"></span>, die <span class=\"_ _2\"></span>am oder <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m 01.01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>2022 <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te a<span class=\"_ _2\"></span>m 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _2\"></span>0 \u201eClassi<span class=\"_ _2\"></span>fic<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on of <span class=\"_ _2\"></span>Liab<span class=\"_ _2\"></span>iliti<span class=\"_ _2\"></span>es as <span class=\"_ _2\"></span>Curr<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>or N<span class=\"_ _2\"></span>on<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nt \u2013 <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Def<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>l of <span class=\"_ _2\"></span>Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ec<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive Da<span class=\"_ _2\"></span>te\u201c vera<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>dam<span class=\"_ _2\"></span>it da<span class=\"_ _2\"></span>s Da<span class=\"_ _2\"></span>tum d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tma<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>hten<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>er \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf den <span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.01.2<span class=\"_ _2\"></span>023 ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Mit <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>am 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>10.<span class=\"_ _2\"></span>2022 ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>bschi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>urr<span class=\"_ _2\"></span>ent L<span class=\"_ _2\"></span>iabil<span class=\"_ _2\"></span>itie<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>th Coven<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>s\u201c wurde d<span class=\"_ _2\"></span>as D<span class=\"_ _2\"></span>atum der <span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>tm<span class=\"_ _2\"></span>alige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Anwe<span class=\"_ _2\"></span>ndung d<span class=\"_ _2\"></span>er \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen n<span class=\"_ _2\"></span>och<span class=\"_ _2\"></span>mals <span class=\"_ _2\"></span>versc<span class=\"_ _2\"></span>hob<span class=\"_ _2\"></span>en \u2013 <span class=\"_ _2\"></span>nunm<span class=\"_ _2\"></span>ehr <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>en 01.01.2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4.<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6: Lea<span class=\"_ _2\"></span>se Liabil<span class=\"_ _2\"></span>ity in a S<span class=\"_ _2\"></span>ale an<span class=\"_ _2\"></span>d Leas<span class=\"_ _2\"></span>ebac<span class=\"_ _2\"></span>k<span class=\"_ _39f\"> </span>(IASB<span class=\"_ _3\"></span>-V<span class=\"_ _10\"></span>er\u00f6f<span class=\"_ _2\"></span>fentlichung: 22<span class=\"_ _2\"></span>.09.<span class=\"_ _2\"></span>2022; EU-<span class=\"_ _2\"></span>Endorsemen<span class=\"_ _9\"></span>t: 20.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2023)<span class=\"_ _39f\"> </span>Die \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet Vorg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n f\u00fcr d<span class=\"_ _2\"></span>ie Folg<span class=\"_ _2\"></span>ebewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung bei L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>en im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>es Sal<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>aseb<span class=\"_ _2\"></span>ack (S<span class=\"_ _2\"></span>LB) f\u00fcr V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fer-<span class=\"_ _2\"></span>Leas<span class=\"_ _2\"></span>ingn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Hierd<span class=\"_ _2\"></span>urch s<span class=\"_ _2\"></span>oll vor all<span class=\"_ _2\"></span>em die F<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung von L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten ve<span class=\"_ _2\"></span>rein<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, u<span class=\"_ _2\"></span>m so unange<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ene G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>nrea<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en zu ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ds\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>lich f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t die \u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung dazu<span class=\"_ _2\"></span>, dass b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Fol<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung von Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n eine<span class=\"_ _2\"></span>s SLB di<span class=\"_ _2\"></span>e zu La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tbeg<span class=\"_ _2\"></span>inn e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen zu b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htige<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>. In j<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r Perio<span class=\"_ _2\"></span>de wir<span class=\"_ _2\"></span>d die Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit u<span class=\"_ _2\"></span>m die er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n reduz<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t und die Di<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>enz zu de<span class=\"_ _2\"></span>n ta<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>folgswirksam er<span class=\"_ _2\"></span>fasst<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>IAS 1<span class=\"_ _9\"></span>: Non<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cur<span class=\"_ _2\"></span>rent Liabil<span class=\"_ _2\"></span>ities w<span class=\"_ _2\"></span>ith Covenant<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>10.2<span class=\"_ _2\"></span>022; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 19.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>hinsic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ls k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z- ode<span class=\"_ _2\"></span>r l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig <span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>nur Neb<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>in U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>am o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m Ab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>ssst<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>en mu<span class=\"_ _2\"></span>ss, <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>eei<span class=\"_ _2\"></span>nflu<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>. Alle<span class=\"_ _2\"></span>rding<span class=\"_ _2\"></span>s mu<span class=\"_ _2\"></span>ss ei<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m An<span class=\"_ _2\"></span>hang I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>enl<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie es <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>adre<span class=\"_ _2\"></span>ssat<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko zu ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige S<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it N<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb von <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>w\u00f6lf <span class=\"_ _2\"></span>Mona<span class=\"_ _2\"></span>ten r<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lbar <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n k\u00f6n<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Suppli<span class=\"_ _2\"></span>er Fin<span class=\"_ _2\"></span>ance Ar<span class=\"_ _2\"></span>rang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s (<span class=\"_ _9\"></span>Amendm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s to IAS 7 an<span class=\"_ _2\"></span>d IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7)<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 25<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>05.<span class=\"_ _3\"></span>2023; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>5.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>soll <span class=\"_ _2\"></span>die T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>pare<span class=\"_ _2\"></span>nz von <span class=\"_ _2\"></span>Lie<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>enfi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>inbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Ausw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f die V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>Ca<span class=\"_ _2\"></span>shflow<span class=\"_ _2\"></span>s und <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko ein<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nzen <span class=\"_ _2\"></span>die ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>eanf<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>dahing<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive un<span class=\"_ _2\"></span>d qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive Inf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vere<span class=\"_ _2\"></span>inbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zur Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgung <span class=\"_ _2\"></span>zu s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2025:<span class=\"_ _39f\"> </span>IAS 21<span class=\"_ _9\"></span>: Lack o<span class=\"_ _2\"></span>f E<span class=\"_ _2\"></span>xchange<span class=\"_ _2\"></span>abilit<span class=\"_ _2\"></span>y<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8.<span class=\"_ _3\"></span>2023; <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1.2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>AS <span class=\"_ _2\"></span>21 ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span>n ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ob eine <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ne an<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e W\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>umt<span class=\"_ _2\"></span>ausc<span class=\"_ _2\"></span>hbar <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>es nic<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>all i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>mmung d<span class=\"_ _2\"></span>es z<span class=\"_ _2\"></span>u ver<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dend<span class=\"_ _2\"></span>en Wechse<span class=\"_ _2\"></span>lku<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ngang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>usw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rds si<span class=\"_ _2\"></span>nd unwes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2026:<span class=\"_ _39f\"> </span>Amen<span class=\"_ _2\"></span>dment<span class=\"_ _2\"></span>s t<span class=\"_ _2\"></span>o th<span class=\"_ _2\"></span>e Cla<span class=\"_ _2\"></span>ssi<span class=\"_ _2\"></span>fica<span class=\"_ _2\"></span>tion a<span class=\"_ _2\"></span>nd Me<span class=\"_ _2\"></span>asu<span class=\"_ _2\"></span>reme<span class=\"_ _2\"></span>nt of <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>ancia<span class=\"_ _2\"></span>l In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ument<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>Amendm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s to <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 <span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024; EU<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen)<span class=\"_ _39f\"> </span>Die \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 7 <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 9 b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>he:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Klassifizie<span class=\"_ _2\"></span>rung fina<span class=\"_ _2\"></span>nzieller Verm\u00f6gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>:</span><span class=\"ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> Zi<span class=\"_ _2\"></span>nskomp<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>verein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>,<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ngung<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeitp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>t ode<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>r ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tr\u00f6m<span class=\"_ _2\"></span>e \u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n ink<span class=\"_ _2\"></span>l. <span class=\"_ _2\"></span>dazug<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span> <span class=\"_ _10\"></span>h\u00f6rig<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>,<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> nic<span class=\"_ _2\"></span>ht r<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fs<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>non<span class=\"_ _2\"></span>-r<span class=\"_ _2\"></span>ecou<span class=\"_ _2\"></span>rse),<span class=\"ff2 ls2 ws1\"> </span>  \u2013 <span class=\"_ _2\"></span> ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agli<span class=\"_ _2\"></span>ch ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>n\u00fcpf<span class=\"_ _3\"></span>te I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>contr<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>y linke<span class=\"_ _2\"></span>d in<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s<span class=\"_ _9\"></span>) und<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ausbuch<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h el<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ronis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verke<span class=\"_ _2\"></span>hr e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>ten fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>,<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Anga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>zu Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ali<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span></span>Annual Improv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ments V<span class=\"_ _9\"></span>olume 1<span class=\"_ _10\"></span>1<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 18.07<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>2024; EU<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen)<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n an <span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 1, IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>, I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9, IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10 und I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Anzuwenden ab dem 01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _9\"></span>7<span class=\"_ _4\"></span>:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>8: Pre<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>ation a<span class=\"_ _2\"></span>nd Di<span class=\"_ _2\"></span>sclos<span class=\"_ _2\"></span>ure in Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al Stat<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nts<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023; EU<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Endo<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: of<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>e Sta<span class=\"_ _2\"></span>ndar<span class=\"_ _2\"></span>d I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 18 wird <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>rig<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ard I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>S 1 <span class=\"_ _2\"></span>Pres<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on of <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al St<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>ielse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Era<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>uen <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dards <span class=\"_ _2\"></span>lag <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>er Verb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>die fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns mi<span class=\"_ _2\"></span>t Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng. Zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Neu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>\u00f6ren <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fch<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung <span class=\"_ _2\"></span>von vord<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>ten Zwisc<span class=\"_ _2\"></span>hens<span class=\"_ _2\"></span>umme<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tegor<span class=\"_ _2\"></span>isie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung<span class=\"_ _3\"></span>, V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Verbess<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Post<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>ie Ein<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung von Ang<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n von d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsle<span class=\"_ _2\"></span>itung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sken<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hlen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9: Sub<span class=\"_ _2\"></span>sidia<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>s witho<span class=\"_ _2\"></span>ut Public Account<span class=\"_ _2\"></span>abilit<span class=\"_ _2\"></span>y: D<span class=\"_ _2\"></span>iscl<span class=\"_ _2\"></span>osure<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 0<span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024; EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>e Sta<span class=\"_ _2\"></span>ndar<span class=\"_ _2\"></span>d I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 19 erm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>ht e<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>uzier<span class=\"_ _3\"></span>te A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>enz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>es di<span class=\"_ _2\"></span>e IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andar<span class=\"_ _2\"></span>ds in <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>anwend<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9 ist <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r inf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>age ko<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>de T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en optio<span class=\"_ _2\"></span>nal <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>und l<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>abevor<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>fes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung d<span class=\"_ _2\"></span>es Stan<span class=\"_ _2\"></span>dards <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Ein <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>f <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>9 nur <span class=\"_ _2\"></span>anwend<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wenn <span class=\"_ _2\"></span>(1<span class=\"_ _10\"></span>) <span class=\"_ _2\"></span>es e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, (<span class=\"_ _2\"></span>2) es ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r \u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tsp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>(3) da<span class=\"_ _2\"></span>s ob<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>heng<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>r \u00d6<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>zug<span class=\"_ _2\"></span>\u00e4ngli<span class=\"_ _2\"></span>ch is<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r im <span class=\"_ _2\"></span>Eink<span class=\"_ _2\"></span>lang m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>s ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Kein <span class=\"_ _2\"></span>EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>End<span class=\"_ _2\"></span>orsem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>: Regul<span class=\"_ _2\"></span>ator<span class=\"_ _2\"></span>y D<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ral Account<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 3<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>01<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>201<span class=\"_ _9\"></span>4; EU<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>En<span class=\"_ _2\"></span>dors<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>: nic<span class=\"_ _2\"></span>ht b<span class=\"_ _2\"></span>eabs<span class=\"_ _2\"></span>ichtig<span class=\"_ _3\"></span>t)<span class=\"_ _39f\"> </span>Nur <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e na<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bishe<span class=\"_ _2\"></span>rig<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>sl<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>vors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten r<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>lator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>he Abg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>ungsp<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, is<span class=\"_ _2\"></span>t ge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>ch n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rhin <span class=\"_ _2\"></span>zu t<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rd is<span class=\"_ _2\"></span>t al<span class=\"_ _2\"></span>s kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e Zwische<span class=\"_ _2\"></span>nl\u00f6su<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>dach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, bi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B se<span class=\"_ _2\"></span>in l\u00e4<span class=\"_ _2\"></span>nger<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tiges <span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>ndes <span class=\"_ _2\"></span>Proj<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zu p<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vor<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00e4<span class=\"_ _2\"></span>llen absc<span class=\"_ _2\"></span>hlie\u00dft<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zeitpunkt <span class=\"_ _2\"></span>des lnkraf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tretens auf <span class=\"_ _2\"></span>unbestimmte Zeit verschoben:<span class=\"_ _39f\"> </span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 10<span class=\"_ _4\"></span>/<span class=\"_ _2\"></span>IAS 28<span class=\"_ _2\"></span>: Sal<span class=\"_ _2\"></span>e or Contr<span class=\"_ _2\"></span>ibution o<span class=\"_ _2\"></span>f As<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>s bet<span class=\"_ _2\"></span>wee<span class=\"_ _2\"></span>n an Invest<span class=\"_ _2\"></span>or and it<span class=\"_ _2\"></span>s A<span class=\"_ _2\"></span>ssoc<span class=\"_ _2\"></span>iate or J<span class=\"_ _2\"></span>oint Venture<span class=\"_ _39f\"> </span>(IA<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-Ver\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lichu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>.0<span class=\"_ _2\"></span>9.<span class=\"_ _2\"></span>2014; EU<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>ndor<span class=\"_ _2\"></span>sem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>: o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ass<span class=\"_ _2\"></span>oziier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r J<span class=\"_ _2\"></span>oint Ventur<span class=\"_ _2\"></span>e das Ausma\u00df <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>assung <span class=\"_ _2\"></span>davon <span class=\"_ _2\"></span>abh\u00e4ng<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>b die <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ingeb<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b dars<span class=\"_ _2\"></span>tellen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>s Ink<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>vom I<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>SB <span class=\"_ _2\"></span>im De<span class=\"_ _2\"></span>zemb<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>auf u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mte Ze<span class=\"_ _2\"></span>it ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hobe<span class=\"_ _2\"></span>n wor<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bis <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>For<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rojek<span class=\"_ _3\"></span>t zur <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>etho<span class=\"_ _2\"></span>de a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chloss<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-10": {
   "value": "1 Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span><span class=\"ls2 ws1\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _229\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Kassenbestand<span class=\"_ _22a\"> </span><span class=\"ff2\">53.039<span class=\"_ _13c\"> </span>51.962<span class=\"_ _39f\"> </span></span>Guthaben bei <span class=\"_ _2\"></span>Zentralnotenbanken<span class=\"_ _22b\"> </span><span class=\"ff2\">3.069.356<span class=\"_ _112\"> </span>2.947.894<span class=\"_ _39f\"> </span></span>Barreserve<span class=\"_ _22c\"> </span>3.122.395<span class=\"_ _ea\"> </span>2.999.856<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-534": {
   "value": "1 Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span><span class=\"ls2 ws1\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _229\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Kassenbestand<span class=\"_ _22a\"> </span><span class=\"ff2\">53.039<span class=\"_ _13c\"> </span>51.962<span class=\"_ _39f\"> </span></span>Guthaben bei <span class=\"_ _2\"></span>Zentralnotenbanken<span class=\"_ _22b\"> </span><span class=\"ff2\">3.069.356<span class=\"_ _112\"> </span>2.947.894<span class=\"_ _39f\"> </span></span>Barreserve<span class=\"_ _22c\"> </span>3.122.395<span class=\"_ _ea\"> </span>2.999.856<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-618": {
   "value": "1 Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span><span class=\"ls2 ws1\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _229\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Kassenbestand<span class=\"_ _22a\"> </span><span class=\"ff2\">53.039<span class=\"_ _13c\"> </span>51.962<span class=\"_ _39f\"> </span></span>Guthaben bei <span class=\"_ _2\"></span>Zentralnotenbanken<span class=\"_ _22b\"> </span><span class=\"ff2\">3.069.356<span class=\"_ _112\"> </span>2.947.894<span class=\"_ _39f\"> </span></span>Barreserve<span class=\"_ _22c\"> </span>3.122.395<span class=\"_ _ea\"> </span>2.999.856<span class=\"_ _39f\"> </span>2 Forderungen an Kr<span class=\"_ _9\"></span>editinstitute <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _22d\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten <span class=\"_ _22e\"> </span><span class=\"ff2\">467.715<span class=\"_ _91\"> </span>381.022<span class=\"_ _39f\"> </span></span>Forderungen an Kr<span class=\"_ _9\"></span>editinstitute<span class=\"_ _9e\"> </span><span class=\"wse\">467.715<span class=\"_ _158\"> </span>381.022<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Kreditinstitute 2024<span class=\"_ _9\"></span><span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _22f\"> </span><span class=\"ff2\">29<span class=\"_ _1e3\"> </span>18<span class=\"_ _192\"> </span></span>\u221217<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">30<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>7<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>7<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _12f\"> </span><span class=\"wse\">29<span class=\"_ _14a\"> </span>25<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221217<span class=\"_ _fe\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _6d\"> </span></span><span class=\"wse\">37<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Kreditinstitute 2023<span class=\"_ _9\"></span><span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _22f\"> </span><span class=\"ff2\">20<span class=\"_ _1e3\"> </span>22<span class=\"_ _192\"> </span></span>\u221213<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">29<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _174\"> </span><span class=\"ff2\">10.000<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9d\"> </span>0<span class=\"_ _125\"> </span></span></span>\u221210.000<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _103\"> </span><span class=\"wse\">10.020<span class=\"_ _14a\"> </span>22<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221213<span class=\"_ _12\"> </span>\u221210.000<span class=\"_ _70\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _d3\"> </span>0<span class=\"_ _6d\"> </span></span><span class=\"wse\">29<span class=\"_ _39f\"> </span></span>3 Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"fs9 ls16\"> in T<span class=\"_ _9\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _222\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten <span class=\"_ _231\"> </span><span class=\"ff2\">8.585.573<span class=\"_ _112\"> </span>8.382.340<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rpflichtend zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _232\"> </span><span class=\"ff2\">207.986<span class=\"_ _91\"> </span>232.958<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _233\"> </span><span class=\"wse\">8.793.560<span class=\"_ _ea\"> </span>8.615.298<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen K<span class=\"_ _9\"></span>unden 2024<span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">9.452<span class=\"_ _ee\"> </span>21.210<span class=\"_ _f0\"> </span></span>\u221217.700<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">12.962<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">35.660<span class=\"_ _fa\"> </span>29.772<span class=\"_ _ef\"> </span></span>\u221226.219<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">39.213<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _d9\"> </span><span class=\"ff2\">108.932<span class=\"_ _fa\"> </span>95.253<span class=\"_ _ef\"> </span></span>\u221244.795<span class=\"_ _10a\"> </span>\u221215.241<span class=\"_ _6a\"> </span>\u221239<span class=\"_ _127\"> </span><span class=\"ff2\">12.842<span class=\"_ _e1\"> </span>156.952<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _d5\"> </span><span class=\"wse\">154.044<span class=\"_ _c9\"> </span>146.235<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221288.714<span class=\"_ _107\"> </span>\u221215.241<span class=\"_ _fe\"> </span>\u221239<span class=\"_ _8e\"> </span></span>12.842<span class=\"_ _e2\"> </span>209.127<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen K<span class=\"_ _9\"></span>unden 2023<span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">7.726<span class=\"_ _ee\"> </span>16.464<span class=\"_ _f0\"> </span></span>\u221214.738<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">9.452<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">30.804<span class=\"_ _fa\"> </span>25.948<span class=\"_ _ef\"> </span></span>\u221221.092<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">35.660<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _174\"> </span><span class=\"ff2\">93.003<span class=\"_ _fa\"> </span>41.885<span class=\"_ _ef\"> </span></span>\u221213.591<span class=\"_ _10a\"> </span>\u221212.546<span class=\"_ _d3\"> </span><span class=\"ff2\">148<span class=\"_ _93\"> </span>33<span class=\"_ _90\"> </span>108.932<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _d5\"> </span><span class=\"wse\">131.533<span class=\"_ _f0\"> </span>84.297<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221249.421<span class=\"_ _b\"> </span>\u221212.546<span class=\"_ _fe\"> </span></span>148<span class=\"_ _92\"> </span>33<span class=\"_ _97\"> </span>154.044<span class=\"_ _39f\"> </span></span>Stufentransf<span class=\"_ _2\"></span>er Kunden 2024 <span class=\"fs9 ls16\">in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _235\"> </span><span class=\"fs6 lsb1 wscb\">Stage<span class=\"_ _2\"></span> 1<span class=\"_ _59\"> </span>Sta<span class=\"_ _2\"></span>ge 2<span class=\"_ _59\"> </span>St<span class=\"_ _2\"></span>age 3<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _1f7\"> </span>\u22121.533<span class=\"_ _fd\"> </span><span class=\"ff2\">1.533<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _22\"> </span>\u221246<span class=\"_ _a2\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _148\"> </span></span><span class=\"ff2\">46<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _1eb\"> </span><span class=\"ff2\">16.067<span class=\"_ _e7\"> </span></span>\u221216.067<span class=\"_ _147\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span></span>\u2212611<span class=\"_ _116\"> </span><span class=\"ff2\">611<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _236\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _116\"> </span></span><span class=\"ff2\">638<span class=\"_ _9d\"> </span></span>\u2212638<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _237\"> </span>14.488<span class=\"_ _12e\"> </span><span class=\"ff6f9\">\u221214.507<span class=\"_ _cc\"> </span></span>19<span class=\"_ _39f\"> </span>Stufentransf<span class=\"_ _2\"></span>er Kunden 2023 <span class=\"fs9 ls16\">in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _235\"> </span><span class=\"fs6 lsb1 wscb\">Stage<span class=\"_ _2\"></span> 1<span class=\"_ _59\"> </span>Sta<span class=\"_ _2\"></span>ge 2<span class=\"_ _59\"> </span>St<span class=\"_ _2\"></span>age 3<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _1f7\"> </span>\u22122.091<span class=\"_ _fd\"> </span><span class=\"ff2\">2.091<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _22\"> </span>\u221287<span class=\"_ _a2\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _148\"> </span></span><span class=\"ff2\">87<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _1eb\"> </span><span class=\"ff2\">13.457<span class=\"_ _e7\"> </span></span>\u221213.457<span class=\"_ _147\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span></span>\u2212118<span class=\"_ _116\"> </span><span class=\"ff2\">118<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _236\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _fd\"> </span></span><span class=\"ff2\">1.217<span class=\"_ _9a\"> </span></span>\u22121.217<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _237\"> </span>11.279<span class=\"_ _12e\"> </span><span class=\"ff6f9\">\u221210.267<span class=\"_ _113\"> </span>\u22121.012<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d Fi<span class=\"_ _2\"></span>nance<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>ase<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e mit <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1.036<span class=\"_ _2\"></span>.499 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 970.737 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _3\"></span>) e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>er en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>eser L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 1.<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>54<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6.1<span class=\"_ _4\"></span>03 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), die <span class=\"_ _2\"></span>dam<span class=\"_ _2\"></span>it ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>reali<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzer<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge b<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>18.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>6<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>5.<span class=\"_ _2\"></span>365 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Rest<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amten <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verm\u00f6<span class=\"_ _2\"></span>gens <span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl im <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im Vorjah<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Zum Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf un<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.6<span class=\"_ _2\"></span>41 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>0.779 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>). F\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2 Mo<span class=\"_ _2\"></span>nate<span class=\"_ _2\"></span>n wu<span class=\"_ _2\"></span>rde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>(Stuf<span class=\"_ _2\"></span>e 1<span class=\"_ _4\"></span>) in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 9<span class=\"_ _2\"></span>89 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1.08<span class=\"_ _2\"></span>6 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i Ku<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amte <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>uf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zeit w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e (Stuf<span class=\"_ _2\"></span>e 2) i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.453 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.62<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"lse\">a Restlaufzeitengliederung 2024 Finance-L<span class=\"_ _9\"></span>ease-Forderungen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _15b\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">292.699<span class=\"_ _8f\"> </span>710.547<span class=\"_ _8f\"> </span>151.419<span class=\"_ _21\"> </span>1.154.665<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">37.111<span class=\"_ _df\"> </span>67.521<span class=\"_ _df\"> </span>13.534<span class=\"_ _8f\"> </span>118.166<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">255.588<span class=\"_ _8f\"> </span>643.026<span class=\"_ _8f\"> </span>137.885<span class=\"_ _21\"> </span>1.036.499<span class=\"_ _39f\"> </span></span>Restlaufzeiten<span class=\"_ _9\"></span>gliederung 2023 Finance-Lease-Forderung<span class=\"_ _9\"></span>en<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _189\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">265.232<span class=\"_ _8f\"> </span>656.886<span class=\"_ _8f\"> </span>163.985<span class=\"_ _21\"> </span>1.086.103<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">34.233<span class=\"_ _df\"> </span>66.467<span class=\"_ _df\"> </span>14.665<span class=\"_ _8f\"> </span>115.365<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">230.999<span class=\"_ _8f\"> </span>590.419<span class=\"_ _8f\"> </span>149.320<span class=\"_ _8f\"> </span>970.737<span class=\"_ _39f\"> </span></span>4 Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"fs9 ls16\"> in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _232\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Schuldtitel, zu <span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _2\"></span>tet<span class=\"_ _35\"> </span><span class=\"ff2\">923.953<span class=\"_ _106\"> </span>845.842<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(FVOCI) bewertet<span class=\"_ _83\"> </span><span class=\"ff2\">274.115<span class=\"_ _91\"> </span>245.921<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _239\"> </span><span class=\"ff2\">19.957<span class=\"_ _13c\"> </span>17.241<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten\u201c<span class=\"_ _23a\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten <span class=\"_ _2\"></span>und Verkaufen\u201c<span class=\"_ _141\"> </span><span class=\"ff2\">19.957<span class=\"_ _9a\"> </span>17.241<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden <span class=\"_ _2\"></span>Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _16d\"> </span><span class=\"ff2\">129.928<span class=\"_ _91\"> </span>140.867<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">4<span class=\"_ _13c\"> </span></span><span class=\"ff2\">11.121<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _23c\"> </span><span class=\"ff2\">126.938<span class=\"_ _91\"> </span>119.681<span class=\"_ _39f\"> </span></span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _23d\"> </span><span class=\"ff2\">2.986<span class=\"_ _13c\"> </span>10.065<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVTPL) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _23e\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _1b0\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus Deriv<span class=\"_ _2\"></span>aten<span class=\"_ _1bb\"> </span><span class=\"ff2\">47.016<span class=\"_ _13c\"> </span>54.890<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _23f\"> </span><span class=\"ff2\">16.405<span class=\"_ _13c\"> </span>24.031<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / Optionen<span class=\"_ _21b\"> </span><span class=\"ff2\">30.611<span class=\"_ _10d\"> </span>30.859<span class=\"_ _39f\"> </span></span>Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _240\"> </span><span class=\"wse\">1.429.516<span class=\"_ _ea\"> </span>1.341.841<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Sonstiges Finan<span class=\"_ _9\"></span>zver<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>m\u00f6gen 2024 (Bestandsdarstellung) <span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _136\"> </span><span class=\"ff2\">289<span class=\"_ _f4\"> </span>106<span class=\"_ _158\"> </span></span>\u2212143<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">252<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _22f\"> </span><span class=\"ff2\">27<span class=\"_ _f4\"> </span>710<span class=\"_ _94\"> </span></span>\u221224<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">714<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _a2\"> </span><span class=\"wse\">316<span class=\"_ _f5\"> </span>816<span class=\"_ _138\"> </span><span class=\"ff6f9\">\u2212167<span class=\"_ _fe\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"wse\">966<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Sonstiges Finan<span class=\"_ _9\"></span>zver<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>m\u00f6gen 2023 (Bestandsdarstellung)<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _136\"> </span><span class=\"ff2\">263<span class=\"_ _f4\"> </span>117<span class=\"_ _192\"> </span></span>\u221291<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">289<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e3\"> </span></span><span class=\"ff2\">30<span class=\"_ _1ca\"> </span></span>\u22123<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">27<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _a2\"> </span><span class=\"wse\">263<span class=\"_ _f5\"> </span>147<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221294<span class=\"_ _fd\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _70\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _fd\"> </span></span><span class=\"wse\">316<span class=\"_ _39f\"> </span></span>Im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr g<span class=\"_ _2\"></span>ab <span class=\"_ _2\"></span>es w<span class=\"_ _2\"></span>ie im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr ke<span class=\"_ _2\"></span>ine St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verm\u00f6<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>ese <span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps a<span class=\"_ _2\"></span>ls Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te e<span class=\"_ _2\"></span>in, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he ke<span class=\"_ _2\"></span>ine fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n <span class=\"ff2 ls2 ws1\"> </span>Ausw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag d<span class=\"_ _2\"></span>es m<span class=\"_ _2\"></span>axi<span class=\"_ _2\"></span>male<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zur Vermei<span class=\"_ _2\"></span>dung bz<span class=\"_ _2\"></span>w. Be<span class=\"_ _2\"></span>seit<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>von Volatili<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Verlus<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>als e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olgs<span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>esign<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t:<span class=\"_ _39f\"> </span>4a Eigenkapitalinstrumente, als erf<span class=\"_ _2\"></span>olgsneutral zum beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bew<span class=\"_ _9\"></span>ertet per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Beizuleg<span class=\"_ _9\"></span>en<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der Zeit<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>wert zum 31.12.2024<span class=\"_ _39f\"> </span>Dividenden gesamt 2024*<span class=\"_ _39f\"> </span>Dividenden Bestand*<span class=\"_ _39f\"> </span>Dividenden Be<span class=\"_ _2\"></span>sta<span class=\"_ _2\"></span>nd ausgebu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung OCI ins Eigen-<span class=\"ls2\"> </span>kapital<span class=\"_ _39f\"> </span>SANOFI SA<span class=\"_ _37\"> </span><span class=\"ls2\">0<span class=\"_ _62\"> </span></span><span class=\"wse\">92<span class=\"_ _150\"> </span></span><span class=\"ls2\">0<span class=\"_ _62\"> </span></span><span class=\"wse\">92<span class=\"_ _103\"> </span>218<span class=\"_ _39f\"> </span></span>Bayerische Motoren W<span class=\"_ _4\"></span>erke Aktie<span class=\"_ _2\"></span>ngesellscahft<span class=\"_ _16d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span></span><span class=\"ff2\">142<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>142<span class=\"_ _d4\"> </span></span>\u2013370<span class=\"_ _39f\"> </span>emeis<span class=\"_ _241\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _103\"> </span></span><span class=\"ff2\">711<span class=\"_ _39f\"> </span></span>Restliche W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere (&lt; 1,5 <span class=\"_ _2\"></span>Mio. \u20ac)<span class=\"_ _b5\"> </span><span class=\"ff2 ls2 ws1\">4<span class=\"_ _103\"> </span></span><span class=\"ff2\">183<span class=\"_ _150\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>183<span class=\"_ _12c\"> </span></span>\u20131.010<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapiere<span class=\"_ _242\"> </span><span class=\"ls2 ws1\">4<span class=\"_ _4f\"> </span><span class=\"lse wse\">417<span class=\"_ _104\"> </span></span>0<span class=\"_ _4f\"> </span><span class=\"lse wse\">417<span class=\"_ _57\"> </span>\u2013451<span class=\"_ _39f\"> </span></span></span>Generali <span class=\"_ _2\"></span>3Banken Holding AG<span class=\"_ _18c\"> </span><span class=\"ff2\">73.012<span class=\"_ _118\"> </span>174<span class=\"_ _103\"> </span>174<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Oesterreichische Kontrollbank Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _d0\"> </span><span class=\"ff2\">24.134<span class=\"_ _6b\"> </span>1.479<span class=\"_ _6b\"> </span>1.479<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Beteiligungsver<span class=\"_ _2\"></span>waltung Gesellschaf<span class=\"_ _2\"></span>t m<span class=\"_ _2\"></span>.b.H<span class=\"_ _2\"></span>.<span class=\"_ _134\"> </span><span class=\"ff2\">12.713<span class=\"_ _103\"> </span>113<span class=\"_ _103\"> </span>113<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Bausparkasse W\u00fcs<span class=\"_ _2\"></span>tenrot Aktiengesellschaft<span class=\"_ _243\"> </span><span class=\"ff2\">4.466<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _6f\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Zeller Bergbahnen <span class=\"_ _2\"></span>Ziller<span class=\"_ _2\"></span>tal GmbH <span class=\"_ _2\"></span>&amp; Co KG<span class=\"_ _22f\"> </span><span class=\"ff2\">2.841<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>S\u00fcdtiroler Volksbank A<span class=\"_ _4\"></span>G<span class=\"_ _244\"> </span><span class=\"ff2\">2.700<span class=\"_ _103\"> </span>362<span class=\"_ _118\"> </span>362<span class=\"_ _150\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _39f\"> </span></span></span>3 Banken Kfz-Leasing GmbH<span class=\"_ _245\"> </span><span class=\"ff2\">2.654<span class=\"_ _103\"> </span>497<span class=\"_ _118\"> </span>497<span class=\"_ _150\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _39f\"> </span></span></span>Restliche sonstige Beteiligungen (&lt; 1,0 Mio. <span class=\"_ _2\"></span>\u20ac)<span class=\"_ _16\"> </span><span class=\"ff2\">4.418<span class=\"_ _118\"> </span>520<span class=\"_ _103\"> </span>520<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Sonstige Beteiligung<span class=\"_ _9\"></span>en<span class=\"_ _ce\"> </span><span class=\"wse\">126.938<span class=\"_ _1cc\"> </span>3.145<span class=\"_ _9a\"> </span>3.145<span class=\"_ _21d\"> </span></span><span class=\"ls2\">0<span class=\"_ _21d\"> </span>0<span class=\"_ _39f\"> </span></span>Restliche sonstige verbundene U<span class=\"_ _2\"></span>nternehmen (&lt; <span class=\"_ _2\"></span>1,0 Mio. \u20ac)<span class=\"_ _4f\"> </span><span class=\"ff2\">2.986<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _6f\"> </span>0<span class=\"_ _39f\"> </span></span></span>Sonstige v<span class=\"_ _9\"></span>erbundene Unternehmen<span class=\"_ _184\"> </span><span class=\"wse\">2.986<span class=\"_ _21d\"> </span></span><span class=\"ls2\">0<span class=\"_ _21d\"> </span>0<span class=\"_ _6f\"> </span>0<span class=\"_ _21d\"> </span>0<span class=\"_ _39f\"> </span></span>Zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertete <span class=\"ls2\"> </span>er<span class=\"_ _2\"></span>folgsneutrale Eigenkapitalinstrumente insgesamt<span class=\"_ _39f\"> </span>129.928<span class=\"_ _9a\"> </span>3.562<span class=\"_ _9a\"> </span>3.145<span class=\"_ _4f\"> </span>417<span class=\"_ _14b\"> </span>\u2013451<span class=\"_ _39f\"> </span>* Di<span class=\"_ _2\"></span>e Di<span class=\"_ _2\"></span>vi<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bni<span class=\"_ _2\"></span>sse a<span class=\"_ _2\"></span>us G<span class=\"_ _2\"></span>ew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>abf<span class=\"_ _2\"></span>\u00fch<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente, als erf<span class=\"_ _2\"></span>olgsneutral zum <span class=\"ls2\"> </span>beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bew<span class=\"_ _9\"></span>ertet per 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Beizuleg<span class=\"_ _9\"></span>en<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der Zeit<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>wert zum 31.12.2023<span class=\"_ _39f\"> </span>Dividenden gesamt 2023*<span class=\"_ _39f\"> </span>Dividenden Bestand*<span class=\"_ _39f\"> </span>Dividenden Be<span class=\"_ _2\"></span>sta<span class=\"_ _2\"></span>nd ausgebu<span class=\"_ _2\"></span>cht<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung OCI ins Eigen-<span class=\"ls2\"> </span>kapital<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _246\"> </span><span class=\"ff2\">11.117<span class=\"_ _103\"> </span>467<span class=\"_ _118\"> </span>467<span class=\"_ _150\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _39f\"> </span></span></span>Sonstige Beteiligungen<span class=\"_ _15d\"> </span><span class=\"ff2\">119.682<span class=\"_ _6b\"> </span>2.164<span class=\"_ _6b\"> </span>2.164<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6f\"> </span>0<span class=\"_ _39f\"> </span></span></span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _247\"> </span><span class=\"ff2\">10.065<span class=\"_ _6f\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _6f\"> </span>0<span class=\"_ _150\"> </span>0<span class=\"_ _39f\"> </span></span></span>Zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertete er<span class=\"_ _2\"></span>folgsneutrale Eigenkapitalinstrumente insgesamt<span class=\"_ _39f\"> </span>140.864<span class=\"_ _9a\"> </span>2.631<span class=\"_ _9a\"> </span>2.631<span class=\"_ _21d\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _21d\"> </span>0<span class=\"_ _39f\"> </span></span>* Di<span class=\"_ _2\"></span>e Di<span class=\"_ _2\"></span>vi<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bni<span class=\"_ _2\"></span>sse a<span class=\"_ _2\"></span>us G<span class=\"_ _2\"></span>ew<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>abf<span class=\"_ _2\"></span>\u00fch<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>4b Ausg<span class=\"_ _9\"></span>ebuchte Eigenkapitalinstrumente per 31.12.2024<span class=\"_ _9\"></span><span class=\"ls2\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Beizuleg<span class=\"_ _9\"></span>ender Zeit<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>wert zum Zeitpunkt der Ausbuchun<span class=\"_ _9\"></span>g<span class=\"_ _39f\"> </span>K<span class=\"_ _9\"></span>umulierter <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Gewinn/V<span class=\"_ _4\"></span>erlust aus V<span class=\"_ _4\"></span>er\u00e4u\u00dferung<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _248\"> </span><span class=\"ff2\">11.117<span class=\"_ _130\"> </span></span>\u22122.097<span class=\"_ _39f\"> </span>Sonstige Beteiligungen<span class=\"_ _249\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _b4\"> </span></span>\u22120<span class=\"_ _39f\"> </span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _231\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _39f\"> </span></span>Zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertete <span class=\"ls2\"> </span>er<span class=\"_ _2\"></span>folgsneutrale Eigenkapitalinstrumente insgesamt<span class=\"_ _39f\"> </span>11.117<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22122.097<span class=\"_ _39f\"> </span></span>Ausg<span class=\"_ _9\"></span>ebuchte Eigenkapitalinstrumente per 31.12.2023<span class=\"_ _9\"></span><span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Beizuleg<span class=\"_ _9\"></span>ender Zeit<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>wert zum Zeitpunkt der Ausbuchun<span class=\"_ _9\"></span>g<span class=\"_ _39f\"> </span>K<span class=\"_ _9\"></span>umulierter <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Gewinn/V<span class=\"_ _4\"></span>erlust aus V<span class=\"_ _4\"></span>er\u00e4u\u00dferung<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _24b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _249\"> </span><span class=\"ff2 ls2 ws1\">2<span class=\"_ _b4\"> </span></span>\u22121<span class=\"_ _39f\"> </span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _231\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _39f\"> </span></span>Zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertete <span class=\"ls2\"> </span>er<span class=\"_ _2\"></span>folgsneutrale Eigenkapitalinstrumente ingesamt<span class=\"_ _39f\"> </span>2<span class=\"_ _87\"> </span><span class=\"ff6f9 lse wse\">\u22121<span class=\"_ _39f\"> </span></span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>des G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr<span class=\"_ _2\"></span>es w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von Ab<span class=\"_ _2\"></span>g\u00e4<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht al<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st vo<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>69<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>kein<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r Verlus<span class=\"_ _2\"></span>te) umgeglie<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>\u00e4ngen <span class=\"_ _2\"></span>von B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s Eige<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac <span class=\"ff2 ls2 ws1\"> </span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>umgeg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>6 Risiko<span class=\"_ _4\"></span>vorsorgen 2024<span class=\"ls2\"> </span>(Bestandsdarstellung)<span class=\"ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">9.771<span class=\"_ _ee\"> </span>21.334<span class=\"_ _f0\"> </span></span>\u221217.860<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">13.245<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">35.687<span class=\"_ _fa\"> </span>30.489<span class=\"_ _ef\"> </span></span>\u221226.243<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">39.934<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _d9\"> </span><span class=\"ff2\">108.931<span class=\"_ _fa\"> </span>95.253<span class=\"_ _ef\"> </span></span>\u221244.795<span class=\"_ _10a\"> </span>\u221215.241<span class=\"_ _6a\"> </span>\u221239<span class=\"_ _127\"> </span><span class=\"ff2\">12.842<span class=\"_ _e1\"> </span>156.952<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen <span class=\"ls2 ws1\"> </span>im Kreditg<span class=\"_ _9\"></span>esch\u00e4ft<span class=\"_ _39f\"> </span>154.389<span class=\"_ _c9\"> </span>147.077<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221288.898<span class=\"_ _107\"> </span>\u221215.241<span class=\"_ _fe\"> </span>\u221239<span class=\"_ _8e\"> </span></span>12.842<span class=\"_ _e2\"> </span>210.130<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>1 und 2<span class=\"_ _39f\"> </span>58.290<span class=\"_ _ee\"> </span>34.278<span class=\"_ _f0\"> </span><span class=\"ff4\">\u221246.732<span class=\"_ _11c\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _11a\"> </span></span><span class=\"ff4\">\u22125.768<span class=\"_ _145\"> </span></span>40.068<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>16.182<span class=\"_ _b9\"> </span>6.294<span class=\"_ _ef\"> </span><span class=\"ff4\">\u221212.828<span class=\"_ _fd\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221210<span class=\"_ _9d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>9.638<span class=\"_ _39f\"> </span>R\u00fcckstellungen <span class=\"ls2 ws1\"> </span>Garantien und Rahmen<span class=\"_ _39f\"> </span>74.472<span class=\"_ _f0\"> </span>40.572<span class=\"_ _10b\"> </span><span class=\"ff6f9\">\u221259.560<span class=\"_ _fd\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221210<span class=\"_ _ee\"> </span>\u22125.768<span class=\"_ _13d\"> </span></span>49.706<span class=\"_ _39f\"> </span>Gesamte Risiko<span class=\"_ _9\"></span>vor<span class=\"_ _9\"></span>sorgen<span class=\"_ _17a\"> </span><span class=\"wse\">228.861<span class=\"_ _5c\"> </span>187.649<span class=\"_ _63\"> </span><span class=\"ff6f9\">\u2212148.458<span class=\"_ _107\"> </span>\u221215.241<span class=\"_ _fe\"> </span>\u221249<span class=\"_ _df\"> </span></span>7.074<span class=\"_ _97\"> </span>259.836<span class=\"_ _39f\"> </span></span>Inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>s Kon<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>ntenr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n jewe<span class=\"_ _2\"></span>iligen <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzpos<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>sgen\u00fc<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zt<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ante<span class=\"_ _2\"></span>ilsm\u00e4<span class=\"_ _2\"></span>\u00dfigen Kons<span class=\"_ _2\"></span>olidie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r AL<span class=\"_ _2\"></span>PEN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4<span class=\"_ _2\"></span>ND<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>SCHE <span class=\"_ _2\"></span>GA<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>NT<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>E - G<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>SELL<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>AF<span class=\"_ _3\"></span>T m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>palte<span class=\"_ _2\"></span>n Zu<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>+<span class=\"_ _9\"></span>) bz<span class=\"_ _2\"></span>w. Aufl\u00f6s<span class=\"_ _2\"></span>ung (<span class=\"_ _9\"></span>\u2212<span class=\"_ _4\"></span>) b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n das <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ugesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>bg<span class=\"_ _2\"></span>ang von <span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>en Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llwa<span class=\"_ _2\"></span>hrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlich<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r C<span class=\"_ _2\"></span>ashfl<span class=\"_ _2\"></span>ows sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rs z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einzel<span class=\"_ _2\"></span>nen Stuf<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>ailli<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rsic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch si<span class=\"_ _2\"></span>nd.<span class=\"_ _39f\"> </span>Im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>jahr <span class=\"_ _2\"></span>2024 wurde<span class=\"_ _2\"></span>n von d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ke<span class=\"_ _2\"></span>ine S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die un<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngig <span class=\"_ _2\"></span>vom Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner<span class=\"_ _2\"></span>s ver<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>tet werden<span class=\"_ _9\"></span> d\u00fcr<span class=\"_ _2\"></span>fen.<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _4\"></span>vorsorgen 2023<span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">8.010<span class=\"_ _ee\"> </span>16.603<span class=\"_ _f0\"> </span></span>\u221214.842<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">9.771<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">30.804<span class=\"_ _fa\"> </span>25.978<span class=\"_ _ef\"> </span></span>\u221221.095<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">35.687<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _d9\"> </span><span class=\"ff2\">103.002<span class=\"_ _fa\"> </span>41.885<span class=\"_ _ef\"> </span></span>\u221213.591<span class=\"_ _10a\"> </span>\u221222.546<span class=\"_ _d3\"> </span><span class=\"ff2\">148<span class=\"_ _93\"> </span>33<span class=\"_ _12b\"> </span>108.931<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen <span class=\"ls2 ws1\"> </span>im Kreditg<span class=\"_ _9\"></span>esch\u00e4ft<span class=\"_ _39f\"> </span>141.816<span class=\"_ _f0\"> </span>84.466<span class=\"_ _10b\"> </span><span class=\"ff6f9\">\u221249.528<span class=\"_ _107\"> </span>\u221222.546<span class=\"_ _fe\"> </span></span>148<span class=\"_ _92\"> </span>33<span class=\"_ _97\"> </span>154.389<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>1 und 2<span class=\"_ _39f\"> </span>73.410<span class=\"_ _ee\"> </span>34.001<span class=\"_ _f0\"> </span><span class=\"ff4\">\u221237.187<span class=\"_ _11c\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _ef\"> </span></span><span class=\"ff4\">\u221211.934<span class=\"_ _145\"> </span></span>58.290<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>18.399<span class=\"_ _ee\"> </span>12.194<span class=\"_ _f0\"> </span><span class=\"ff4\">\u221213.032<span class=\"_ _138\"> </span>\u2212195<span class=\"_ _61\"> </span></span>39<span class=\"_ _11a\"> </span><span class=\"ff4\">\u22121.223<span class=\"_ _145\"> </span></span>16.182<span class=\"_ _39f\"> </span>R\u00fcckstellungen <span class=\"ls2 ws1\"> </span>Garantien und Rahmen<span class=\"_ _39f\"> </span>91.809<span class=\"_ _f0\"> </span>46.195<span class=\"_ _10b\"> </span><span class=\"ff6f9\">\u221250.219<span class=\"_ _e1\"> </span>\u2212195<span class=\"_ _183\"> </span></span>39<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221213.157<span class=\"_ _13d\"> </span></span>74.472<span class=\"_ _39f\"> </span>Gesamte Risiko<span class=\"_ _9\"></span>vor<span class=\"_ _9\"></span>sorgen<span class=\"_ _17a\"> </span><span class=\"wse\">233.625<span class=\"_ _5c\"> </span>130.661<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221299.747<span class=\"_ _107\"> </span>\u221222.741<span class=\"_ _fe\"> </span></span>187<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221213.124<span class=\"_ _97\"> </span></span>228.861<span class=\"_ _39f\"> </span></span>6a Stufentransf<span class=\"_ _2\"></span>er <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _58\"> </span><span class=\"ff6f9 fs6 lse wse\">Wertberichtigung 01.01.2024 \u2212 31.12.2024<span class=\"_ _39f\"> </span></span></span>Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _24d\"> </span>\u22121.533<span class=\"_ _d9\"> </span><span class=\"ff2\">1.533<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _24e\"> </span>\u221246<span class=\"_ _134\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _c4\"> </span></span><span class=\"ff2\">46<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _24f\"> </span><span class=\"ff2\">16.067<span class=\"_ _d2\"> </span></span>\u221216.067<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _173\"> </span></span>\u2212611<span class=\"_ _13\"> </span><span class=\"ff2\">611<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span></span><span class=\"ff2\">638<span class=\"_ _18f\"> </span></span>\u2212638<span class=\"_ _39f\"> </span>Gesamt <span class=\"_ _19c\"> </span>14.488<span class=\"_ _194\"> </span><span class=\"ff6f9\">\u221214.507<span class=\"_ _252\"> </span></span>19<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Gar<span class=\"_ _2\"></span>antien 01.01.2024 \u2212 31.12.2024 Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _146\"> </span>\u2212370<span class=\"_ _253\"> </span><span class=\"ff2\">370<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _254\"> </span><span class=\"ff2\">1.532<span class=\"_ _4b\"> </span></span>\u22121.532<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _253\"> </span></span>\u221218<span class=\"_ _c4\"> </span><span class=\"ff2\">18<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span></span><span class=\"ff2\">212<span class=\"_ _18f\"> </span></span>\u2212212<span class=\"_ _39f\"> </span>Gesamt <span class=\"_ _28\"> </span>1.162<span class=\"_ _d9\"> </span><span class=\"ff6f9\">\u2212968<span class=\"_ _bc\"> </span>\u2212194<span class=\"_ _39f\"> </span></span>R\u00fcckstellungen f\u00fcr Rahme<span class=\"_ _2\"></span>n 01.01.2024 \u2212 <span class=\"_ _2\"></span>31.12.2024<span class=\"_ _39f\"> </span>Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _146\"> </span>\u2212566<span class=\"_ _253\"> </span><span class=\"ff2\">566<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _254\"> </span><span class=\"ff2\">8.595<span class=\"_ _4b\"> </span></span>\u22128.595<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d9\"> </span></span><span class=\"ff2\">2.332<span class=\"_ _177\"> </span></span>\u22122.332<span class=\"_ _39f\"> </span>Gesamt <span class=\"_ _28\"> </span>8.029<span class=\"_ _55\"> </span><span class=\"ff6f9\">\u22125.697<span class=\"_ _255\"> </span>\u22122.332<span class=\"_ _39f\"> </span></span>Die g<span class=\"_ _2\"></span>ezeig<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>s von <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Stu<span class=\"_ _2\"></span>fe <span class=\"_ _2\"></span>in die <span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s Zuwe<span class=\"_ _2\"></span>isung oder <span class=\"_ _2\"></span>Aufl<span class=\"_ _2\"></span>\u00f6sung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n jewe<span class=\"_ _2\"></span>ilige<span class=\"_ _2\"></span>n Positi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n geb<span class=\"_ _2\"></span>ucht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>in N<span class=\"_ _2\"></span>ote 6 <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n jewe<span class=\"_ _2\"></span>ilige<span class=\"_ _2\"></span>n Positi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n Zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung (+<span class=\"_ _10\"></span>) und Au<span class=\"_ _2\"></span>fl\u00f6s<span class=\"_ _2\"></span>ung (<span class=\"_ _9\"></span>\u2212<span class=\"_ _4\"></span>) e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Stufentransf<span class=\"_ _2\"></span>er <span class=\"fs9 ls16 ws1\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16 ws1\"><span class=\"_ _16b\"> </span><span class=\"ff6f9 fs6 lse wse\">W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tberichtigung 01.01.2023 \u2212 <span class=\"_ _2\"></span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _24d\"> </span>\u22122.091<span class=\"_ _d9\"> </span><span class=\"ff2\">2.091<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _24e\"> </span>\u221287<span class=\"_ _134\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _c4\"> </span></span><span class=\"ff2\">87<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _24f\"> </span><span class=\"ff2\">13.457<span class=\"_ _d2\"> </span></span>\u221213.457<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _173\"> </span></span>\u2212118<span class=\"_ _13\"> </span><span class=\"ff2\">118<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d9\"> </span></span><span class=\"ff2\">1.217<span class=\"_ _177\"> </span></span>\u22121.217<span class=\"_ _39f\"> </span>Gesamt <span class=\"_ _19c\"> </span>11.279<span class=\"_ _194\"> </span><span class=\"ff6f9\">\u221210.267<span class=\"_ _d9\"> </span>\u22121.012<span class=\"_ _39f\"> </span></span>R\u00fcckstellungen f\u00fcr Gar<span class=\"_ _2\"></span>antien 01.01.2023 \u2212 31.12.2023 Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _146\"> </span>\u2212240<span class=\"_ _253\"> </span><span class=\"ff2\">240<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _24e\"> </span>\u221217<span class=\"_ _134\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _c4\"> </span></span><span class=\"ff2\">17<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _254\"> </span><span class=\"ff2\">1.335<span class=\"_ _4b\"> </span></span>\u22121.335<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _253\"> </span></span>\u221213<span class=\"_ _c4\"> </span><span class=\"ff2\">13<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamt <span class=\"_ _28\"> </span>1.078<span class=\"_ _55\"> </span><span class=\"ff6f9\">\u22121.108<span class=\"_ _256\"> </span></span>30<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Rahme<span class=\"_ _2\"></span>n 01.01.2023 \u2212 <span class=\"_ _2\"></span>31.12.2023<span class=\"_ _39f\"> </span>Stufe 1<span class=\"_ _4c\"> </span>Stufe <span class=\"_ _2\"></span>2<span class=\"_ _173\"> </span>Stufe 3<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _24d\"> </span>\u22121.137<span class=\"_ _d9\"> </span><span class=\"ff2\">1.137<span class=\"_ _1a3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _3b\"> </span>\u22125<span class=\"_ _136\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1a3\"> </span>5<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _257\"> </span><span class=\"ff2\">312<span class=\"_ _173\"> </span></span>\u2212312<span class=\"_ _76\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1a4\"> </span></span>\u22121<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2<span class=\"_ _250\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _134\"> </span>0<span class=\"_ _1a3\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamt <span class=\"_ _258\"> </span><span class=\"ff6f9\">\u2212830<span class=\"_ _be\"> </span></span>824<span class=\"_ _76\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _39f\"> </span></span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>l\u00e4ute<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>inwiewe<span class=\"_ _2\"></span>it sig<span class=\"_ _2\"></span>ni<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ante <span class=\"_ _2\"></span>\u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>des B<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>tob<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>im ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>zu \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichtig<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>beige<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n hab<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>6b Bruttobuchwerte zu A<span class=\"_ _4\"></span>C bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswerte in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _157\"> </span><span class=\"fs6 lsb1 wscb\">Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span> 1<span class=\"_ _11c\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2 <span class=\"_ _1e6\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 3 <span class=\"_ _72\"> </span><span class=\"lse wse\">POCI <span class=\"_ _10d\"> </span>Gesamt<span class=\"_ _39f\"> </span></span></span>Stand zum 01.01.2024<span class=\"_ _259\"> </span><span class=\"ff2\">5.948.617<span class=\"_ _113\"> </span>3.599.302<span class=\"_ _d4\"> </span>215.674<span class=\"_ _189\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _113\"> </span></span>9.763.593<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>1 <span class=\"_ _25a\"> </span><span class=\"ff2\">1.676.434<span class=\"_ _12e\"> </span></span>\u22121.676.402<span class=\"_ _27\"> </span>\u221231<span class=\"_ _189\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _dd\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _25b\"> </span>\u2212498.682<span class=\"_ _d4\"> </span><span class=\"ff2\">501.810<span class=\"_ _103\"> </span></span>\u22123.128<span class=\"_ _25c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>3<span class=\"_ _38\"> </span>\u22129.487<span class=\"_ _99\"> </span>\u2212114.892<span class=\"_ _d4\"> </span><span class=\"ff2\">124.380<span class=\"_ _189\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span></span>Zuf\u00fchrung<span class=\"_ _25d\"> </span><span class=\"ff2\">856.482<span class=\"_ _d4\"> </span>185.895<span class=\"_ _119\"> </span>17.338<span class=\"_ _25c\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _113\"> </span></span>1.059.715<span class=\"_ _39f\"> </span></span>davon neu er<span class=\"_ _2\"></span>worbene <span class=\"_ _2\"></span>oder aus-<span class=\"ff2 ls2 ws1\"> </span>gegebene finanzielle Verm\u00f6genswerte<span class=\"_ _39f\"> </span>504.327<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _189\"> </span>0<span class=\"_ _fe\"> </span></span>504.327<span class=\"_ _39f\"> </span>davon Bestandsgesch\u00e4ft<span class=\"_ _7a\"> </span><span class=\"ff2\">35.046<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _189\"> </span>0<span class=\"_ _119\"> </span></span>35.046<span class=\"_ _39f\"> </span></span>Abg\u00e4nge<span class=\"_ _162\"> </span>\u2212317.568<span class=\"_ _99\"> </span>\u2212262.068<span class=\"_ _d5\"> </span>\u221240.337<span class=\"_ _25c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span>\u2212619.974<span class=\"_ _39f\"> </span>davon Forderungsausf<span class=\"_ _2\"></span>all (Write-offs)<span class=\"_ _25e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _cc\"> </span></span>\u2212593<span class=\"_ _25c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span></span>\u2212593<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung durch <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsmodifika<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tionen, <span class=\"_ _2\"></span>die nicht zur <span class=\"_ _2\"></span>Ausbuchung f\u00fchren<span class=\"_ _39f\"> </span>255<span class=\"_ _8a\"> </span>239<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _25c\"> </span>0<span class=\"_ _147\"> </span></span>494<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>echselk<span class=\"_ _2\"></span>urs\u00e4nderungen <span class=\"_ _25f\"> </span>\u221214.327<span class=\"_ _118\"> </span>\u22122.038<span class=\"_ _27\"> </span>\u221293<span class=\"_ _189\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span></span>\u221216.458<span class=\"_ _39f\"> </span>Stand zum 31.12.2024<span class=\"_ _5a\"> </span><span class=\"wse\">7.641.722<span class=\"_ _eb\"> </span>2.231.846<span class=\"_ _92\"> </span>313.802<span class=\"_ _17\"> </span></span><span class=\"ls2\">0<span class=\"_ _112\"> </span></span><span class=\"wse\">10.187.371<span class=\"_ _39f\"> </span></span>Bruttobuchwerte zu FV/OCI bew<span class=\"_ _9\"></span>ertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswerte in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _157\"> </span><span class=\"fs6 lsb1 wscb\">Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span> 1<span class=\"_ _11c\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2 <span class=\"_ _1e6\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 3 <span class=\"_ _116\"> </span><span class=\"lse wse\">POCI <span class=\"_ _10d\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span></span></span>Stand zum 01.01.2024<span class=\"_ _260\"> </span><span class=\"ff2\">236.408<span class=\"_ _62\"> </span>9.512<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _fe\"> </span></span>245.920<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>1 <span class=\"_ _164\"> </span><span class=\"ff2\">6.548<span class=\"_ _3f\"> </span></span>\u22126.548<span class=\"_ _17\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _38\"> </span>\u22128.791<span class=\"_ _1e8\"> </span><span class=\"ff2\">8.791<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _25c\"> </span>0<span class=\"_ _dd\"> </span>0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>3<span class=\"_ _261\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Zuf\u00fchrung<span class=\"_ _168\"> </span><span class=\"ff2\">74.709<span class=\"_ _262\"> </span>617<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _119\"> </span></span>75.326<span class=\"_ _39f\"> </span></span>davon neu er<span class=\"_ _2\"></span>worbene <span class=\"_ _2\"></span>oder aus-<span class=\"ff2 ls2 ws1\"> </span>gegebene finanzielle Verm\u00f6genswerte<span class=\"_ _39f\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span>davon Bestandsgesch\u00e4ft<span class=\"_ _38\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _dd\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Abg\u00e4nge<span class=\"_ _c2\"> </span>\u221247.130<span class=\"_ _24\"> </span>\u22121<span class=\"_ _17\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _d4\"> </span></span>\u221247.131<span class=\"_ _39f\"> </span>davon Forderungsausf<span class=\"_ _2\"></span>all (Write-offs)<span class=\"_ _25e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung durch <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsmodifika<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tionen, <span class=\"_ _2\"></span>die nicht zur <span class=\"_ _2\"></span>Ausbuchung f\u00fchren<span class=\"_ _39f\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>echselk<span class=\"_ _2\"></span>urs\u00e4nderungen <span class=\"_ _263\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Stand zum 31.12.2024<span class=\"_ _16d\"> </span><span class=\"wse\">261.744<span class=\"_ _9d\"> </span>12.371<span class=\"_ _188\"> </span></span><span class=\"ls2\">0<span class=\"_ _188\"> </span>0<span class=\"_ _1ca\"> </span></span><span class=\"wse\">274.115<span class=\"_ _39f\"> </span></span>Bruttobuchwerte zu A<span class=\"_ _4\"></span>C bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswerte in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _157\"> </span><span class=\"fs6 lsb1 wscb\">Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span> 1<span class=\"_ _11c\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2 <span class=\"_ _1e6\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 3 <span class=\"_ _116\"> </span><span class=\"lse wse\">POCI <span class=\"_ _10d\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span></span></span>Stand zum 01.01.2023<span class=\"_ _259\"> </span><span class=\"ff2\">5.900.035<span class=\"_ _113\"> </span>3.299.226<span class=\"_ _d4\"> </span>158.279<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _14a\"> </span></span>9.357.540<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>1 <span class=\"_ _86\"> </span><span class=\"ff2\">956.591<span class=\"_ _99\"> </span></span>\u2212956.591<span class=\"_ _dd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _19e\"> </span>\u22121.095.955<span class=\"_ _14a\"> </span><span class=\"ff2\">1.101.055<span class=\"_ _118\"> </span></span>\u22125.100<span class=\"_ _17\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>3<span class=\"_ _264\"> </span>\u221272.871<span class=\"_ _d5\"> </span>\u221219.226<span class=\"_ _119\"> </span><span class=\"ff2\">92.097<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span></span>Zuf\u00fchrung<span class=\"_ _ce\"> </span><span class=\"ff2\">1.676.062<span class=\"_ _fe\"> </span>865.524<span class=\"_ _119\"> </span>25.215<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _113\"> </span></span>2.566.801<span class=\"_ _39f\"> </span></span>davon neu er<span class=\"_ _2\"></span>worbene <span class=\"_ _2\"></span>oder aus-<span class=\"ff2 ls2 ws1\"> </span>gegebene finanzielle Verm\u00f6genswerte<span class=\"_ _39f\"> </span>1.383.899<span class=\"_ _d4\"> </span>641.535<span class=\"_ _1e8\"> </span>7.268<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _14a\"> </span></span>2.032.703<span class=\"_ _39f\"> </span>davon Bestandsgesch\u00e4ft<span class=\"_ _265\"> </span><span class=\"ff2\">292.163<span class=\"_ _d4\"> </span>223.989<span class=\"_ _119\"> </span>17.947<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _fe\"> </span></span>534.098<span class=\"_ _39f\"> </span></span>Abg\u00e4nge<span class=\"_ _245\"> </span>\u22121.414.880<span class=\"_ _99\"> </span>\u2212690.837<span class=\"_ _d5\"> </span>\u221254.817<span class=\"_ _dd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _12e\"> </span></span>\u22122.160.534<span class=\"_ _39f\"> </span>davon Forderungsausf<span class=\"_ _2\"></span>all (Write-offs)<span class=\"_ _25e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _cc\"> </span></span>\u2212135<span class=\"_ _dd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span></span>\u2212135<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung durch <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsmodifika<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tionen, <span class=\"_ _2\"></span>die nicht zur <span class=\"_ _2\"></span>Ausbuchung f\u00fchren<span class=\"_ _39f\"> </span>\u2212366<span class=\"_ _8a\"> </span><span class=\"ff2\">151<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _cc\"> </span></span></span>\u2212215<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>echselk<span class=\"_ _2\"></span>urs\u00e4nderungen <span class=\"_ _263\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Stand zum 31.12.2023<span class=\"_ _5a\"> </span><span class=\"wse\">5.948.617<span class=\"_ _eb\"> </span>3.599.302<span class=\"_ _92\"> </span>215.674<span class=\"_ _188\"> </span></span><span class=\"ls2\">0<span class=\"_ _f4\"> </span></span><span class=\"wse\">9.763.593<span class=\"_ _39f\"> </span></span>Bruttobuchwerte zu FV/OCI bew<span class=\"_ _9\"></span>ertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswerte in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _157\"> </span><span class=\"fs6 lsb1 wscb\">Stu<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span> 1<span class=\"_ _11c\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 2 <span class=\"_ _1e6\"> </span>Stu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e 3 <span class=\"_ _116\"> </span><span class=\"lse wse\">POCI <span class=\"_ _10d\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span></span></span>Stand zum 01.01.2023<span class=\"_ _260\"> </span><span class=\"ff2\">389.816<span class=\"_ _8a\"> </span>903<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _fe\"> </span></span>390.719<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>1 <span class=\"_ _266\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>2<span class=\"_ _38\"> </span>\u22126.355<span class=\"_ _1e8\"> </span><span class=\"ff2\">6.355<span class=\"_ _dd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _25c\"> </span>0<span class=\"_ _dd\"> </span>0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r in Stufe <span class=\"_ _2\"></span>3<span class=\"_ _261\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Zuf\u00fchrung<span class=\"_ _25d\"> </span><span class=\"ff2\">113.570<span class=\"_ _62\"> </span>7.695<span class=\"_ _17\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _fe\"> </span></span>121.265<span class=\"_ _39f\"> </span></span>davon neu er<span class=\"_ _2\"></span>worbene <span class=\"_ _2\"></span>oder aus-<span class=\"ff2 ls2 ws1\"> </span>gegebene finanzielle Verm\u00f6genswerte<span class=\"_ _39f\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span>davon Bestandsgesch\u00e4ft<span class=\"_ _38\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _dd\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Abg\u00e4nge<span class=\"_ _162\"> </span>\u2212260.622<span class=\"_ _118\"> </span>\u22125.441<span class=\"_ _17\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _99\"> </span></span>\u2212266.063<span class=\"_ _39f\"> </span>davon Forderungsausf<span class=\"_ _2\"></span>all (Write-offs)<span class=\"_ _25e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung durch <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsmodifika<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tionen, <span class=\"_ _2\"></span>die nicht zur <span class=\"_ _2\"></span>Ausbuchung f\u00fchren<span class=\"_ _39f\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>echselk<span class=\"_ _2\"></span>urs\u00e4nderungen <span class=\"_ _263\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _39f\"> </span></span>Stand zum 31.12.2023<span class=\"_ _16d\"> </span><span class=\"wse\">236.408<span class=\"_ _116\"> </span>9.512<span class=\"_ _188\"> </span></span><span class=\"ls2\">0<span class=\"_ _188\"> </span>0<span class=\"_ _1ca\"> </span></span><span class=\"wse\">245.920<span class=\"_ _39f\"> </span></span>F\u00fcr fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>die ab<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, a<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>noc<span class=\"_ _2\"></span>h ein<span class=\"_ _2\"></span>er Vollst<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>\u00dfnahme <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>, w<span class=\"_ _2\"></span>ird m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner Einzelwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>aush<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s abz\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>mate<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en vor<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>org<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. F\u00fcr Eventu<span class=\"_ _2\"></span>alver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ngen g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Sei<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ibung<span class=\"_ _2\"></span>sab<span class=\"_ _2\"></span>teilu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n all<span class=\"_ _2\"></span>e ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen Mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung<span class=\"_ _3\"></span>, um d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>zu m<span class=\"_ _2\"></span>ache<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n nic<span class=\"_ _2\"></span>ht di<span class=\"_ _2\"></span>e ges<span class=\"_ _2\"></span>amte <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>acht <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r of<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne T<span class=\"_ _9\"></span>eil ausg<span class=\"_ _2\"></span>ebuc<span class=\"_ _2\"></span>ht u<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ibung<span class=\"_ _2\"></span>sma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die folgen<span class=\"_ _9\"></span>de T<span class=\"_ _10\"></span>abelle enth\u00e4lt Informati<span class=\"_ _9\"></span>onen \u00fcber<span class=\"_ _9\"></span> finanzi<span class=\"_ _9\"></span>elle V<span class=\"_ _4\"></span>erm\u00f6genswerte, bei denen die<span class=\"_ _9\"></span> vertr<span class=\"_ _2\"></span>aglichen<span class=\"_ _9\"></span> Zahlungsstr\u00f6<span class=\"_ _9\"></span>me ge\u00e4n<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der<span class=\"_ _3\"></span>t wur<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he d<span class=\"_ _2\"></span>er \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>die L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>messe<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>6c \u00c4nderung der vertraglichen Zahlungsstr\u00f6me <span class=\"ls2\"> </span>w\u00e4hrend des Gesch\u00e4ftsjahrs<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _267\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _fd\"> </span>2023<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _1c5\"> </span><span class=\"ff2\">16.615<span class=\"_ _13c\"> </span>55.907<span class=\"_ _39f\"> </span></span>Netto-Gewinn aus de<span class=\"_ _2\"></span>r \u00c4nderung<span class=\"_ _268\"> </span><span class=\"ff2\">26<span class=\"_ _116\"> </span>151<span class=\"_ _39f\"> </span></span>Im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr g<span class=\"_ _2\"></span>ab <span class=\"_ _2\"></span>es ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie vor d<span class=\"_ _2\"></span>er \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>aglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>r\u00f6me <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>te b<span class=\"_ _2\"></span>emes<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>2-<span class=\"_ _2\"></span>Mona<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s umge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>h\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ann<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die w<span class=\"_ _2\"></span>\u00e4hre<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>es J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ha<span class=\"_ _2\"></span>t sich <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>nicht<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>es g<span class=\"_ _2\"></span>e\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>7 Handelsaktiva <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Fonds<span class=\"_ _269\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _13c\"> </span>20.673<span class=\"_ _39f\"> </span></span>B\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26a\"> </span><span class=\"ff2\">5.229<span class=\"_ _fd\"> </span>2.834<span class=\"_ _39f\"> </span></span>Nicht b\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">29.216<span class=\"_ _13c\"> </span>17.839<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Finanzgesch\u00e4ften<span class=\"_ _26c\"> </span><span class=\"ff2\">32.712<span class=\"_ _13c\"> </span>18.604<span class=\"_ _39f\"> </span></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _26d\"> </span><span class=\"ff2\">15.268<span class=\"_ _fd\"> </span>5.724<span class=\"_ _39f\"> </span></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26e\"> </span><span class=\"ff2\">17.361<span class=\"_ _13c\"> </span>12.787<span class=\"_ _39f\"> </span></span>Sonstige Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26f\"> </span><span class=\"ff2\">83<span class=\"_ _148\"> </span>93<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _1c0\"> </span>67.157<span class=\"_ _12c\"> </span>39.277<span class=\"_ _39f\"> </span>11 V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _9\"></span>reditinstituten<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _201\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">1.057.378<span class=\"_ _112\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _9\"></span>reditinstituten<span class=\"_ _e9\"> </span><span class=\"wse\">1.057.378<span class=\"_ _ea\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>12 V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _4\"></span>unden <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _52\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _286\"> </span><span class=\"ff2\">9.756.707<span class=\"_ _112\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _4\"></span>unden<span class=\"_ _287\"> </span><span class=\"wse\">9.756.707<span class=\"_ _ea\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>13 Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _33\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _288\"> </span><span class=\"ff2\">1.347.637<span class=\"_ _112\"> </span>1.208.097<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _289\"> </span><span class=\"ff2\">1.130.467<span class=\"_ _112\"> </span>1.024.380<span class=\"_ _39f\"> </span></span>Kassenobligationen<span class=\"_ _28a\"> </span><span class=\"ff2 lse wse\">107<span class=\"_ _116\"> </span>107<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">217.063<span class=\"_ _91\"> </span>183.610<span class=\"_ _39f\"> </span></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _1fa\"> </span><span class=\"ff2\">353.898<span class=\"_ _91\"> </span>415.157<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _28c\"> </span><span class=\"ff2\">248.480<span class=\"_ _91\"> </span>276.480<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">105.418<span class=\"_ _91\"> </span>138.677<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>Derivaten<span class=\"_ _28d\"> </span><span class=\"ff2\">28.562<span class=\"_ _13c\"> </span>30.981<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _28e\"> </span><span class=\"ff2\">3.052<span class=\"_ _fd\"> </span>3.700<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / <span class=\"_ _2\"></span>Optionen<span class=\"_ _222\"> </span><span class=\"ff2\">25.511<span class=\"_ _13c\"> </span>27.281<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Leasing<span class=\"_ _2\"></span>verh\u00e4ltnissen gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _a1\"> </span><span class=\"ff2\">49.505<span class=\"_ _13c\"> </span>48.618<span class=\"_ _39f\"> </span></span>Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _195\"> </span><span class=\"wse\">1.779.602<span class=\"_ _ea\"> </span>1.702.853<span class=\"_ _39f\"> </span></span>Die BT<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>hat finanzielle <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten als er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewertet <span class=\"_ _2\"></span>designier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Der k<span class=\"_ _2\"></span>umulative Betrag de<span class=\"_ _2\"></span>r \u00c4nder<span class=\"_ _2\"></span>ungen des beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tes, de<span class=\"_ _2\"></span>r auf <span class=\"_ _2\"></span>\u00c4nderungen des <span class=\"_ _2\"></span>Kreditrisikos dieser finanzielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erbindlichkeiten zur\u00fcckzuf\u00fchren is<span class=\"_ _2\"></span>t, <span class=\"_ _2\"></span>betr\u00e4g<span class=\"_ _2\"></span>t \u22123.813 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _2\"></span>(V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rjahr: <span class=\"_ _2\"></span>\u22122.606 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac). Die <span class=\"_ _2\"></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>derung wurde <span class=\"_ _2\"></span>im sonstigen Er<span class=\"_ _2\"></span>gebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst<span class=\"_ _2\"></span>. Die \u00c4nderung d<span class=\"_ _2\"></span>es beizulegenden Zeitwer<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>aufgrun<span class=\"_ _2\"></span>d von \u00c4nder<span class=\"_ _2\"></span>ungen des Ausf<span class=\"_ _2\"></span>allrisikos bestimmt sich <span class=\"_ _2\"></span>aus dem <span class=\"_ _2\"></span>Unterschiedsbetrag zwischen der <span class=\"_ _2\"></span>Gesamt\u00e4nderung d<span class=\"_ _2\"></span>es beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ts der fin<span class=\"_ _2\"></span>anziellen V<span class=\"_ _9\"></span>erbindlichkeiten und der <span class=\"_ _2\"></span>\u00c4nderung <span class=\"_ _2\"></span>des beizule<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>genden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ts aufgr<span class=\"_ _2\"></span>und von Marktrisikofaktoren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r beizulegende Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurde durch Diskontierung <span class=\"_ _2\"></span>k\u00fcnf<span class=\"_ _2\"></span>tiger Zahlungs<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str\u00f6me zum Abschlussstichtag bestimmt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der Ausf<span class=\"_ _2\"></span>allrisikozuschlag wurde auf Basis <span class=\"_ _2\"></span>des Fundings f<span class=\"_ _2\"></span>\u00fcr vergleichbare F\u00e4lligkeiten gesch\u00e4tzt.<span class=\"_ _39f\"> </span>F\u00fcr finanzielle Verbindlichkeit<span class=\"_ _9\"></span>en, <span class=\"_ _2\"></span>die w\u00e4hrend <span class=\"_ _2\"></span>der Periode a<span class=\"_ _2\"></span>usgebucht wurden, <span class=\"_ _2\"></span>wurde f<span class=\"_ _2\"></span>\u00fcr das k<span class=\"_ _2\"></span>umulier<span class=\"_ _2\"></span>te Ausf<span class=\"_ _2\"></span>allrisiko ein B<span class=\"_ _2\"></span>etrag von \u2212102 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (V<span class=\"_ _9\"></span>orjahr: <span class=\"_ _2\"></span>\u221287 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac) vom OCI in <span class=\"_ _2\"></span>die Gewinnr\u00fccklagen <span class=\"_ _2\"></span>umgeglieder<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der R\u00fcckzahlungsbetr<span class=\"_ _2\"></span>ag f\u00fcr <span class=\"_ _2\"></span>die finanziellen Verbindlichkeiten inklusive Zinsabgrenzung, <span class=\"_ _2\"></span>f\u00fcr die <span class=\"_ _2\"></span>die Fair-Value-Option ausge\u00fcbt<span class=\"_ _9\"></span> wurde, betr\u00e4g<span class=\"_ _3\"></span>t 341.869 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Vorjahr: 415.713 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac). De<span class=\"_ _2\"></span>r Unterschiedsbetrag <span class=\"_ _2\"></span>zwischen dem <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"ff2 ls2 ws1\"> </span>finanziellen V<span class=\"_ _9\"></span>erbindlichkeiten, f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>die Fair-Value-Option ausge\u00fcbt wurde, und <span class=\"_ _2\"></span>deren R\u00fcckzahlungsbetr<span class=\"_ _2\"></span>ag bel\u00e4uf<span class=\"_ _3\"></span>t sich au<span class=\"_ _2\"></span>f \u221212.029 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (V<span class=\"_ _9\"></span>orjahr: <span class=\"_ _2\"></span>555 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac).<span class=\"_ _39f\"> </span>Die BT<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>hat eigene Emissionen <span class=\"_ _2\"></span>begeben, <span class=\"_ _2\"></span>die mit <span class=\"_ _2\"></span>Kreditsicherheiten in <span class=\"_ _2\"></span>Form von Wohnbaukrediten verbunden sind<span class=\"_ _2\"></span>. Diese K<span class=\"_ _2\"></span>redite als Deckungsstock ha<span class=\"_ _2\"></span>ben keine Auswir<span class=\"_ _2\"></span>kungen auf <span class=\"_ _2\"></span>die Bewer<span class=\"_ _2\"></span>tung de<span class=\"_ _2\"></span>r Cov<span class=\"_ _9\"></span>ered-Bond-Emissionen <span class=\"_ _2\"></span>der BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, d<span class=\"_ _2\"></span>ie zu for<span class=\"_ _2\"></span>tgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewertet <span class=\"_ _2\"></span>werden.<span class=\"_ _39f\"> </span>Das in den <span class=\"_ _2\"></span>sonstigen Finanzverbindlichkeiten ausgewiesene Erg\u00e4nzungskapital <span class=\"_ _2\"></span>weist F\u00e4lligkeiten in den <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsjahren <span class=\"ff2 ls2 ws1\"> </span>2025\u20132034 und Verzinsungen zwischen 2,25 % <span class=\"_ _2\"></span>und 5,40 <span class=\"_ _2\"></span>% (V<span class=\"_ _9\"></span>orjahr<span class=\"_ _9\"></span>, F\u00e4lligkeiten 2024\u20132033: 2,00 % un<span class=\"_ _2\"></span>d 5,40 %) <span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im Berichtsjahr wurden <span class=\"_ _2\"></span>26.600 T<span class=\"_ _4\"></span>sd. \u20ac n<span class=\"_ _2\"></span>achrangiges Erg\u00e4nzungskapital mit <span class=\"_ _2\"></span>Endf\u00e4lligkeiten bis 2034 begeben (Vorjahr: 41.683 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac,<span class=\"ff2 ls2 ws1\"> </span>Endf\u00e4lligkeit bis <span class=\"_ _2\"></span>2033). Aus den <span class=\"_ _2\"></span>Neuemissionen <span class=\"_ _2\"></span>zum Jahresende <span class=\"_ _2\"></span>2023 wurden <span class=\"_ _2\"></span>im Ber<span class=\"_ _2\"></span>ichtsjahr 5.441 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Vorjahr: 3.329 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac) begeben. <span class=\"_ _2\"></span>Im Berichtsjahr <span class=\"_ _2\"></span>wurden 35.000 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(V<span class=\"_ _4\"></span>orjahr<span class=\"_ _2\"></span>: 0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac) b\u00f6rseng\u00e4ngiges Erg\u00e4nzungskapital <span class=\"_ _2\"></span>getilg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Es <span class=\"_ _2\"></span>wurde kein (V<span class=\"_ _9\"></span>or<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>jahr: <span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac) nicht b\u00f6rseng\u00e4ngiges Erg\u00e4nzungska<span class=\"_ _2\"></span>pital getilg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zinsen d\u00fcr<span class=\"_ _2\"></span>fen <span class=\"_ _2\"></span>nur ausbezahlt <span class=\"_ _2\"></span>werden, <span class=\"_ _2\"></span>soweit sie im unternehmensre<span class=\"_ _2\"></span>chtlichen Jahres\u00fcberschuss <span class=\"_ _2\"></span>vor R\u00fccklagenbewegung gedeckt sind. <span class=\"_ _2\"></span>Die R\u00fcckzahlung bei <span class=\"_ _2\"></span>F\u00e4lligkeit ist nur <span class=\"_ _2\"></span>unter anteiligem Abzug der w\u00e4hrend <span class=\"_ _2\"></span>der L<span class=\"_ _2\"></span>aufzeit angefallene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erluste m\u00f6glich<span class=\"_ _2\"></span>. Bei Erg\u00e4nzungskapital<span class=\"_ _2\"></span>, welches <span class=\"_ _2\"></span>nach dem <span class=\"_ _2\"></span>01.01.2010 emittier<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurde, <span class=\"_ _2\"></span>sind die Zinsen <span class=\"_ _2\"></span>nur dann <span class=\"_ _2\"></span>auszubezahlen<span class=\"_ _2\"></span>, soweit diese in den aussch\u00fcttungsf\u00e4higen <span class=\"_ _2\"></span>Gewinnen gedeckt sin<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>Der gesamte Aufwand <span class=\"_ _2\"></span>f\u00fcr Erg\u00e4nzungsk<span class=\"_ _2\"></span>apitalanleihe<span class=\"_ _2\"></span>n betrug im <span class=\"_ _2\"></span>Berichtsjahr <span class=\"_ _2\"></span>12.151 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (V<span class=\"_ _9\"></span>orjahr: <span class=\"_ _2\"></span>9.892 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac). Im G<span class=\"_ _2\"></span>esch\u00e4f<span class=\"_ _2\"></span>ts<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>jahr 2025 wird <span class=\"_ _2\"></span>begebenes Erg\u00e4nzungskap<span class=\"_ _2\"></span>ital in <span class=\"_ _2\"></span>H\u00f6he von 18.000 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Vorjahr: 35.000 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac) <span class=\"_ _2\"></span>f\u00e4llig.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>on <span class=\"_ _2\"></span>den im <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsjahr er<span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nachrangigen Kredita<span class=\"_ _2\"></span>ufnahmen <span class=\"_ _2\"></span>der BT<span class=\"_ _3\"></span>V lag keine Emission <span class=\"_ _2\"></span>\u00fcber der <span class=\"_ _2\"></span>10 %-Grenze des Ge<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>samtbetrages der n<span class=\"_ _2\"></span>achrangigen Kredita<span class=\"_ _2\"></span>ufnahmen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>14 Handelspassiva<span class=\"ls2 ws1\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _217\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Fin<span class=\"_ _2\"></span>anzgesch\u00e4ften<span class=\"_ _15f\"> </span><span class=\"ff2\">8.724<span class=\"_ _f4\"> </span>32.403</span>   <span class=\"_ _2\"></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _292\"> </span><span class=\"ff2\">3.614<span class=\"_ _145\"> </span>22.304</span>   <span class=\"_ _2\"></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _293\"> </span><span class=\"ff2\">5.110<span class=\"_ _145\"> </span>10.099<span class=\"_ _39f\"> </span></span>Handelspassiva<span class=\"_ _294\"> </span>8.724<span class=\"_ _13d\"> </span>32.403<span class=\"_ _39f\"> </span>19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>F\u00fcr wer<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>e Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>de e<span class=\"_ _2\"></span>in au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 8<span class=\"_ _2\"></span>.4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>9 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>5.<span class=\"_ _2\"></span>322 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) ver<span class=\"_ _2\"></span>einn<span class=\"_ _2\"></span>ahmt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zus\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>ich zu de<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>n Position<span class=\"_ _2\"></span>en \u201e<span class=\"_ _2\"></span>Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten\u201c und \u201e<span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen au<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten\u201c verbu<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ten N<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>vzi<span class=\"_ _2\"></span>nsen w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n im J<span class=\"_ _2\"></span>ahr 2024 neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Hab<span class=\"_ _2\"></span>enzin<span class=\"_ _2\"></span>sen in H<span class=\"_ _2\"></span>\u00f6he von 337 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 28<span class=\"_ _2\"></span>9 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) und n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Sollzin<span class=\"_ _2\"></span>sen in H\u00f6h<span class=\"_ _2\"></span>e von 1<span class=\"_ _4\"></span>5 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 47 T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) be<span class=\"_ _2\"></span>i Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n verb<span class=\"_ _2\"></span>ucht<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>20 Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zuf\u00fchrung zu K<span class=\"_ _2\"></span>reditrisikovorsorgen on-balance<span class=\"_ _1f3\"> </span>\u2212147.447<span class=\"_ _e1\"> </span>\u221284.805<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Forderungen K<span class=\"_ _2\"></span>reditinstitute / Kun<span class=\"_ _2\"></span>den<span class=\"_ _20e\"> </span>\u221251.008<span class=\"_ _e1\"> </span>\u221242.435<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen AC<span class=\"_ _9e\"> </span>\u2212816<span class=\"_ _10d\"> </span>\u2212147<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen OCI<span class=\"_ _22b\"> </span>\u2212163<span class=\"_ _11c\"> </span>\u221280<span class=\"_ _39f\"> </span>Stufe 3 Forder<span class=\"_ _2\"></span>ungen Kreditinstitute / <span class=\"_ _2\"></span>Kunden<span class=\"_ _2c0\"> </span>\u221295.253<span class=\"_ _e1\"> </span>\u221241.885<span class=\"_ _39f\"> </span>Zuf\u00fchrung CV<span class=\"_ _9\"></span>A<span class=\"_ _24b\"> </span>\u2212207<span class=\"_ _10d\"> </span>\u2212258<span class=\"_ _39f\"> </span>Zuf\u00fchrung zu K<span class=\"_ _2\"></span>reditrisikovorsorgen off-balance<span class=\"_ _2c1\"> </span>\u221240.572<span class=\"_ _e1\"> </span>\u221246.194<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Garantien<span class=\"_ _2c2\"> </span>\u22128.804<span class=\"_ _e1\"> </span>\u221217.497<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 nicht ausgen\u00fctzte Rahmen<span class=\"_ _27e\"> </span>\u221225.474<span class=\"_ _112\"> </span>\u221216.503<span class=\"_ _39f\"> </span>Stufe 3 Gar<span class=\"_ _2\"></span>antien<span class=\"_ _1ee\"> </span>\u22124.732<span class=\"_ _f4\"> </span>\u22129.801<span class=\"_ _39f\"> </span>Stufe 3 nicht a<span class=\"_ _2\"></span>usgen\u00fctzte Rahmen<span class=\"_ _2b8\"> </span>\u22121.562<span class=\"_ _f4\"> </span>\u22122.393<span class=\"_ _39f\"> </span>Aufl\u00f6sung von Kreditrisikovorsorgen on-balance<span class=\"_ _208\"> </span><span class=\"ff2\">88.345<span class=\"_ _f4\"> </span>48.964<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Forderungen K<span class=\"_ _2\"></span>reditinstitute / Kun<span class=\"_ _2\"></span>den<span class=\"_ _39\"> </span><span class=\"ff2\">43.937<span class=\"_ _145\"> </span>35.844<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen AC<span class=\"_ _2c3\"> </span><span class=\"ff2\">166<span class=\"_ _de\"> </span>94<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen OCI <span class=\"_ _2c4\"> </span><span class=\"ff2\">173<span class=\"_ _6a\"> </span>106<span class=\"_ _39f\"> </span></span>Stufe 3 Forder<span class=\"_ _2\"></span>ungen Kreditinstitute / <span class=\"_ _2\"></span>Kunden<span class=\"_ _2c5\"> </span><span class=\"ff2\">44.044<span class=\"_ _145\"> </span>12.904<span class=\"_ _39f\"> </span></span>Aufl\u00f6sung CV<span class=\"_ _4\"></span>A<span class=\"_ _2c6\"> </span><span class=\"ff2\">25<span class=\"_ _de\"> </span>16<span class=\"_ _39f\"> </span></span>Aufl\u00f6sung von Kreditrisikovorsorgen off-balance<span class=\"_ _2c7\"> </span><span class=\"ff2\">59.560<span class=\"_ _145\"> </span>50.218<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Garantien<span class=\"_ _2c8\"> </span><span class=\"ff2\">21.983<span class=\"_ _145\"> </span>22.166<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 nicht ausgen\u00fctzte Rahmen<span class=\"_ _2c9\"> </span><span class=\"ff2\">24.750<span class=\"_ _145\"> </span>15.021<span class=\"_ _39f\"> </span></span>Stufe 3 Gar<span class=\"_ _2\"></span>antien<span class=\"_ _2ca\"> </span><span class=\"ff2\">9.933<span class=\"_ _145\"> </span>13.031<span class=\"_ _39f\"> </span></span>Stufe 3 nicht a<span class=\"_ _2\"></span>usgen\u00fctzte Rahmen<span class=\"_ _2cb\"> </span><span class=\"ff2\">2.894<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Direktabschreibungen<span class=\"_ _2cc\"> </span>\u2212593<span class=\"_ _10d\"> </span>\u2212136<span class=\"_ _39f\"> </span>Eing\u00e4nge aus abgeschriebenen Forder<span class=\"_ _2\"></span>ungen<span class=\"_ _2cd\"> </span><span class=\"ff2\">1.687<span class=\"_ _6a\"> </span>229<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _2ce\"> </span><span class=\"ff6f9 wse\">\u221239.020<span class=\"_ _e2\"> </span>\u221231.724<span class=\"_ _39f\"> </span></span>Die Zu<span class=\"_ _2\"></span>weisu<span class=\"_ _2\"></span>ngen u<span class=\"_ _2\"></span>nd Au<span class=\"_ _2\"></span>fl\u00f6su<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>zu un<span class=\"_ _2\"></span>d von Vorsor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r au\u00df<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iken s<span class=\"_ _2\"></span>ind i<span class=\"_ _2\"></span>n obig<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>21 Provisions\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Provisionsertr\u00e4ge aus<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _2cf\"> </span><span class=\"ff2\">17.831<span class=\"_ _145\"> </span>17.070<span class=\"_ _39f\"> </span></span>Zahlungsverkehr<span class=\"_ _2d0\"> </span><span class=\"ff2\">20.129<span class=\"_ _145\"> </span>18.535<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">32.606<span class=\"_ _145\"> </span>30.693<span class=\"_ _39f\"> </span></span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _27c\"> </span><span class=\"ff2\">4.329<span class=\"_ _99\"> </span>4.591<span class=\"_ _39f\"> </span></span>Sonstigem Dienstleist<span class=\"_ _2\"></span>ungsgesch\u00e4ft<span class=\"_ _2d1\"> </span><span class=\"ff2\">2.159<span class=\"_ _99\"> </span>1.825<span class=\"_ _39f\"> </span></span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsertr\u00e4ge<span class=\"_ _2d2\"> </span><span class=\"wse\">77.053<span class=\"_ _13d\"> </span>72.714<span class=\"_ _39f\"> </span></span>Provisionsaufwendungen f\u00fcr<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _294\"> </span>\u22129.733<span class=\"_ _f4\"> </span>\u22129.439<span class=\"_ _39f\"> </span>Zahlungsverkehr<span class=\"_ _2d3\"> </span>\u22124.063<span class=\"_ _f4\"> </span>\u22123.466<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d4\"> </span>\u22121.957<span class=\"_ _f4\"> </span>\u22121.930<span class=\"_ _39f\"> </span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _28d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstiges Dienstleistungsgesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d5\"> </span>\u221236<span class=\"_ _11c\"> </span>\u221254<span class=\"_ _39f\"> </span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsaufwendungen<span class=\"_ _28\"> </span><span class=\"ff6f9 wse\">\u221215.790<span class=\"_ _e2\"> </span>\u221214.889<span class=\"_ _39f\"> </span></span>Provisi<span class=\"_ _9\"></span>ons\u00fcberschuss<span class=\"_ _296\"> </span>61.264<span class=\"_ _13d\"> </span>57.825<span class=\"_ _39f\"> </span>Die in d<span class=\"_ _2\"></span>er obig<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten P<span class=\"_ _2\"></span>rovi<span class=\"_ _2\"></span>sionse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und -<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wendu<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>lten E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>821 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>520 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 9.<span class=\"_ _2\"></span>957 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.633 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) aus finanzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten und Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, die nic<span class=\"_ _2\"></span>ht er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>, die in die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung <span class=\"ff2\"> </span>der Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sind in di<span class=\"_ _2\"></span>esen E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n nicht e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. Da<span class=\"_ _2\"></span>s W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t Prov<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im Ra<span class=\"_ _2\"></span>hmen t<span class=\"_ _2\"></span>reuh<span class=\"_ _2\"></span>\u00e4ndis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r und an<span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>r fiduz<span class=\"_ _2\"></span>iari<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, in de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n h\u00e4lt o<span class=\"_ _2\"></span>der inve<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, er<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>22 Er<span class=\"_ _2\"></span>folg aus at-equity-bewerteten Unternehmen <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _2d6\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Kreditinstitute<span class=\"_ _2d7\"> </span><span class=\"ff2\">92.320<span class=\"_ _145\"> </span>99.078<span class=\"_ _39f\"> </span></span>Nicht-Kreditinstitute<span class=\"_ _285\"> </span><span class=\"ff2\">1.063<span class=\"_ _145\"> </span></span>\u20137.141<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg aus at-equity-bewerteten Unternehmen <span class=\"_ _2d8\"> </span><span class=\"wse\">93.383<span class=\"_ _13d\"> </span>91.937<span class=\"_ _39f\"> </span></span>23 Handelsergebnis <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Derivaten<span class=\"_ _2d9\"> </span><span class=\"ff2\">96<span class=\"_ _f4\"> </span></span>\u22121.143<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _2da\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _99\"> </span></span><span class=\"ff2\">1.936<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Fonds<span class=\"_ _2db\"> </span><span class=\"ff2\">2.919<span class=\"_ _99\"> </span>1.855<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Devisen <span class=\"_ _2\"></span>und Valuten<span class=\"_ _2dc\"> </span><span class=\"ff2\">156<span class=\"_ _6a\"> </span>581<span class=\"_ _39f\"> </span></span>Handelsergebnis<span class=\"_ _2dd\"> </span>3.172<span class=\"_ _192\"> </span>3.229<span class=\"_ _39f\"> </span>24 Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _287\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Realisationserfolg <span class=\"_ _2\"></span>\u2013 zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertet<span class=\"_ _180\"> </span>\u221213<span class=\"_ _f4\"> </span>\u22125.703<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _2de\"> </span><span class=\"ff2\">166<span class=\"_ _f4\"> </span></span>\u22125.916<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _35\"> </span><span class=\"ff2\">176<span class=\"_ _f4\"> </span></span>\u22122.367<span class=\"_ _39f\"> </span>Realisierter Er<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg aus Ver\u00e4nderung OCI-R\u00fccklage<span class=\"_ _299\"> </span>\u221210<span class=\"_ _f4\"> </span>\u22123.549<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die nicht als <span class=\"_ _2\"></span>Beteiligungen <span class=\"ff2 ls2 ws1\"> </span>gef\u00fchr<span class=\"_ _2\"></span>t werden<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die als Beteiligungen gef\u00fchr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werden<span class=\"_ _d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeit<span class=\"_ _2\"></span>wert <span class=\"_ _2\"></span>bewer<span class=\"_ _2\"></span>tet <span class=\"_ _230\"> </span>\u22122.041<span class=\"_ _f4\"> </span>\u22122.530<span class=\"_ _39f\"> </span>Kurser<span class=\"_ _2\"></span>folg Forderungen <span class=\"_ _2\"></span>Kreditinstitute / <span class=\"_ _2\"></span>Forderungen Kunden <span class=\"_ _2\"></span>(SPPI-sch\u00e4dlich)<span class=\"_ _1da\"> </span><span class=\"ff2\">47<span class=\"_ _eb\"> </span></span>\u22122.697<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Fremdka<span class=\"_ _2\"></span>pitalinstrume<span class=\"_ _2\"></span>nte<span class=\"_ _17f\"> </span><span class=\"ff2\">444<span class=\"_ _10d\"> </span></span>\u2212165<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Eigenkapit<span class=\"_ _2\"></span>alinstrumente<span class=\"_ _2ac\"> </span>\u22122.533<span class=\"_ _6a\"> </span><span class=\"ff2\">332<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _15a\"> </span><span class=\"ff2\">246<span class=\"_ _99\"> </span>1.918<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Schuldverschreibungen (Akti<span class=\"_ _2\"></span>va)<span class=\"_ _1d4\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Schuldverschreibungen (Aktiva)<span class=\"_ _182\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Emissionen <span class=\"_ _2\"></span>(Passiva)<span class=\"_ _52\"> </span>\u221212.199<span class=\"_ _e1\"> </span>\u221216.328<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Emissionen (Passiva)<span class=\"_ _b5\"> </span><span class=\"ff2\">12.445<span class=\"_ _145\"> </span>18.246<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Fair <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>alue Hedge Accounting<span class=\"_ _267\"> </span>\u22122.448<span class=\"_ _99\"> </span><span class=\"ff2\">1.927<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"_ _1a9\"> </span><span class=\"ff6f9 wse\">\u22124.090<span class=\"_ _e2\"> </span>\u221210.304<span class=\"_ _39f\"> </span></span>Die B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Verlus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Ausb<span class=\"_ _2\"></span>uchu<span class=\"_ _2\"></span>ng die<span class=\"_ _2\"></span>ser V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ugen <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>24a Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte <span class=\"_ _2\"></span><span class=\"ff5 ls2 ws1\"> </span>(zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bew<span class=\"_ _9\"></span>ertet) 2024<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert der ausgebuchten<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte Gewinne aus der Ausbuchung<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erluste aus der Ausbuchung<span class=\"_ _39f\"> </span>Schuldverschreibungen \u2013 Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell <span class=\"_ _2\"></span>\u201eHalten\u201c<span class=\"_ _29a\"> </span><span class=\"ff2\">169.992<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _18e\"> </span></span></span>\u221213<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den \u2013 G<span class=\"_ _2\"></span>esch\u00e4ftsmod<span class=\"_ _2\"></span>ell \u201eHalten\u201c<span class=\"_ _7f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _255\"> </span>0<span class=\"_ _d9\"> </span>0<span class=\"_ _39f\"> </span></span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _243\"> </span><span class=\"ff5\">169.992<span class=\"_ _2df\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _121\"> </span></span></span>\u221213<span class=\"_ _39f\"> </span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte <span class=\"ff5 ls2 ws1\"> </span>(zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bew<span class=\"_ _9\"></span>ertet) 2023<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert der ausgebuchten<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte Gewinne aus der Ausbuchung<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erluste aus der Ausbuchung<span class=\"_ _39f\"> </span>Schuldverschreibungen \u2013 Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell <span class=\"_ _2\"></span>\u201eHalten\u201c<span class=\"_ _1e4\"> </span><span class=\"ff2\">33.514<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2c\"> </span></span></span>\u22125.703<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den \u2013 G<span class=\"_ _2\"></span>esch\u00e4ftsmod<span class=\"_ _2\"></span>ell \u201eHalten\u201c<span class=\"_ _7f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _255\"> </span>0<span class=\"_ _d9\"> </span>0<span class=\"_ _39f\"> </span></span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _16c\"> </span><span class=\"ff5\">33.514<span class=\"_ _2df\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span></span></span>\u22125.703<span class=\"_ _39f\"> </span>24b Nettogewinne/-v<span class=\"_ _9\"></span>erluste <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _206\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Finanzinvestitionen in Eigenkapitalins<span class=\"_ _2\"></span>trumente, e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>folgsneutral <span class=\"_ _2\"></span>zum beizulegenden Zeit<span class=\"_ _2\"></span>wert <span class=\"_ _2\"></span>bewertet   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinn oder Verlust im sonstigen Ergebnis<span class=\"_ _39f\"> </span>4.873<span class=\"_ _13c\"> </span>13.236<span class=\"_ _39f\"> </span>Finanzinvestitionen in Fremdkapit<span class=\"_ _2\"></span>alinstrumente, <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _8b\"> </span><span class=\"ff2\">4.275<span class=\"_ _10d\"> </span>10.464</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinn oder Verlust im sonstigen Ergebnis<span class=\"_ _1de\"> </span><span class=\"ff2\">4.274<span class=\"_ _13c\"> </span>13.852</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Umgliederung in <span class=\"_ _2\"></span>den Gewinn <span class=\"_ _2\"></span>oder Verlust des Gesch\u00e4f<span class=\"_ _2\"></span>tsjahres<span class=\"_ _35\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _9a\"> </span></span>\u22123.388<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>al zu<span class=\"_ _2\"></span>m be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>ode k<span class=\"_ _2\"></span>umul<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von <span class=\"_ _2\"></span>4.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>73 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn 1<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>36 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) direk<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Erge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Hier<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 1 <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>der Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n von 9.<span class=\"_ _3\"></span>839 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n 7<span class=\"_ _4\"></span>.456 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _a\"></span>) direk<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Hier<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Stuf<span class=\"_ _2\"></span>e 3 <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>der Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e k<span class=\"_ _2\"></span>umulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in Verlus<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>69 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>winn <span class=\"_ _2\"></span>5.78<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) dir<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>von <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt a<span class=\"_ _2\"></span>uf s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn <span class=\"_ _2\"></span>5.4<span class=\"_ _2\"></span>66 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>uf s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige verb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ne U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 263 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>winn <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzinves<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alin<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al z<span class=\"_ _2\"></span>um be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n, wurd<span class=\"_ _2\"></span>e in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>mulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>in G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>275 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewinn <span class=\"_ _2\"></span>10.46<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>Erge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r hin<span class=\"_ _2\"></span>aus w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Verk\u00e4<span class=\"_ _2\"></span>ufe <span class=\"_ _2\"></span>bzw. T<span class=\"_ _2\"></span>ilg<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n vom s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: Verlus<span class=\"_ _2\"></span>t 3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>38<span class=\"_ _2\"></span>8 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>ese G<span class=\"_ _2\"></span>uV-Positi<span class=\"_ _2\"></span>on ge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em F<span class=\"_ _2\"></span>air Value <span class=\"_ _2\"></span>Hedg<span class=\"_ _2\"></span>e Acco<span class=\"_ _2\"></span>unting <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rug <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr 2<span class=\"_ _3\"></span>.4<span class=\"_ _2\"></span>49 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: Ge<span class=\"_ _2\"></span>winn <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>.927 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Dab<span class=\"_ _2\"></span>ei ent<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as ge<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Gr<span class=\"_ _2\"></span>undg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>t ein <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn vo<span class=\"_ _2\"></span>n 4.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>n 1<span class=\"_ _9\"></span>9.8<span class=\"_ _2\"></span>61 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d auf <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsi<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt e<span class=\"_ _2\"></span>in Verlus<span class=\"_ _2\"></span>t von <span class=\"_ _2\"></span>6.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>95 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>934 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>33 <span class=\"ws1\">Sonstige Angaben<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _31e\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Sicherheit <span class=\"_ _2\"></span>gestellte V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>m\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _163\"> </span><span class=\"ff2\">715.887<span class=\"_ _12b\"> </span>696.022<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _27f\"> </span><span class=\"ff2\">30.454<span class=\"_ _145\"> </span>33.970<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _31f\"> </span><span class=\"ff2\">2.364.211<span class=\"_ _ee\"> </span>2.452.149<span class=\"_ _39f\"> </span></span>I) Als Sicherheit gestellte V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _52\"> </span><span class=\"wse\">3.110.551<span class=\"_ _125\"> </span>3.182.141<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten, f\u00fcr <span class=\"_ _2\"></span>die Sicherh<span class=\"_ _2\"></span>eiten \u00fcber<span class=\"_ _2\"></span>tragen wurden:<span class=\"_ _39f\"> </span>M\u00fcndelgeldeinlagen<span class=\"_ _320\"> </span><span class=\"ff2\">25.452<span class=\"_ _145\"> </span>26.525<span class=\"_ _39f\"> </span></span>Begebene Schuldverschreibungen<span class=\"_ _20c\"> </span><span class=\"ff2\">440.772<span class=\"_ _90\"> </span>237.792<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">878.005<span class=\"_ _12b\"> </span>994.911<span class=\"_ _39f\"> </span></span>II) V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten, f\u00fcr die Sicherheiten \u00fcber<span class=\"_ _2\"></span>tragen wurden<span class=\"_ _190\"> </span><span class=\"wse\">1.344.229<span class=\"_ _125\"> </span>1.259.228<span class=\"_ _39f\"> </span></span>Nachrangige V<span class=\"_ _9\"></span>erm\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _321\"> </span><span class=\"ff2\">14.197<span class=\"_ _145\"> </span>13.744<span class=\"_ _39f\"> </span></span>Aktien und an<span class=\"_ _2\"></span>dere nicht fes<span class=\"_ _2\"></span>tver<span class=\"_ _2\"></span>zinsliche Wertpapiere<span class=\"_ _22d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>III) N<span class=\"_ _2\"></span>achrangige V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _220\"> </span><span class=\"wse\">14.197<span class=\"_ _13d\"> </span>13.744<span class=\"_ _39f\"> </span></span>Fremdw\u00e4hrungsvolumen:<span class=\"_ _39f\"> </span>Forderungen<span class=\"_ _314\"> </span><span class=\"ff2 lse wse\">1.339.761<span class=\"_ _8e\"> </span>1.140.998<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _322\"> </span><span class=\"ff2\">740.464<span class=\"_ _12b\"> </span>703.649<span class=\"_ _39f\"> </span></span>IV) Fremdw\u00e4hrungsv<span class=\"_ _9\"></span>olumen<span class=\"_ _39f\"> </span>Auslandsvolumen:<span class=\"_ _39f\"> </span>Auslandsaktiva<span class=\"_ _2e1\"> </span><span class=\"ff2\">5.459.656<span class=\"_ _ee\"> </span>5.213.386<span class=\"_ _39f\"> </span></span>Auslandspassiva<span class=\"_ _323\"> </span><span class=\"ff2\">4.455.096<span class=\"_ _ee\"> </span>3.519.063<span class=\"_ _39f\"> </span></span>V) Auslandsvolumen<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>reuhandforderungen:<span class=\"_ _324\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089</span> Forderungen an <span class=\"_ _2\"></span>Kunden<span class=\"_ _2dc\"> </span><span class=\"ff2\">14.965<span class=\"_ _f4\"> </span>18.089<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>reuhandverpflichtungen:<span class=\"_ _23c\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _202\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>VI) T<span class=\"_ _10\"></span>reuhandgesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>VII) Echte Pensionsgesc<span class=\"_ _9\"></span>h\u00e4fte<span class=\"_ _2e2\"> </span><span class=\"wse\">23.000<span class=\"_ _97\"> </span>358.447<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien <span class=\"_ _2\"></span>und Kreditr<span class=\"_ _2\"></span>isiken:<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien<span class=\"_ _1fb\"> </span><span class=\"ff2\">1.497.898<span class=\"_ _8e\"> </span>1.442.582<span class=\"_ _39f\"> </span></span>Kreditrisiken<span class=\"_ _1a7\"> </span><span class=\"ff2\">3.014.949<span class=\"_ _ee\"> </span>2.944.489<span class=\"_ _39f\"> </span></span>VIII) Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllungsgarantien und Kreditrisiken<span class=\"_ _20a\"> </span><span class=\"wse\">4.512.847<span class=\"_ _125\"> </span>4.387.071<span class=\"_ _39f\"> </span></span>IX) Offene Ca<span class=\"_ _2\"></span>pital Calls<span class=\"_ _2a5\"> </span><span class=\"wse\">3.940<span class=\"_ _192\"> </span>6.213<span class=\"_ _39f\"> </span></span>Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>irol un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t in For<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>er Ko<span class=\"_ _2\"></span>mman<span class=\"_ _2\"></span>ditei<span class=\"_ _2\"></span>nlage in H<span class=\"_ _2\"></span>\u00f6he von m<span class=\"_ _2\"></span>ax<span class=\"_ _2\"></span>imal 10.0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac an <span class=\"ff2\"> </span>der G<span class=\"_ _2\"></span>ain Ca<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y I<span class=\"_ _2\"></span>II SC<span class=\"_ _2\"></span>Sp m<span class=\"_ _2\"></span>it Sit<span class=\"_ _2\"></span>z in L<span class=\"_ _2\"></span>uxembur<span class=\"_ _2\"></span>g be<span class=\"_ _2\"></span>teilig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e insges<span class=\"_ _2\"></span>amt zuge<span class=\"_ _2\"></span>sag<span class=\"_ _3\"></span>te Komm<span class=\"_ _2\"></span>andi<span class=\"_ _2\"></span>teinl<span class=\"_ _2\"></span>age in H<span class=\"_ _2\"></span>\u00f6he von 1<span class=\"_ _9\"></span>0.0<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac k<span class=\"_ _2\"></span>ann je n<span class=\"_ _2\"></span>ach B<span class=\"_ _2\"></span>eda<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f in S<span class=\"_ _2\"></span>umme od<span class=\"_ _2\"></span>er in m<span class=\"_ _2\"></span>ehre<span class=\"_ _2\"></span>ren T<span class=\"_ _9\"></span>ran<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n von der G<span class=\"_ _2\"></span>ain C<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y I<span class=\"_ _2\"></span>II S<span class=\"_ _2\"></span>CSp a<span class=\"_ _2\"></span>bger<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>en <span class=\"ff2\"> </span>werde<span class=\"_ _2\"></span>n (Capit<span class=\"_ _2\"></span>al Cal<span class=\"_ _2\"></span>ls<span class=\"_ _9\"></span>). Per 31<span class=\"_ _4\"></span>. De<span class=\"_ _2\"></span>zemb<span class=\"_ _2\"></span>er 2024 best<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n noc<span class=\"_ _2\"></span>h of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene C<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal C<span class=\"_ _2\"></span>alls in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _39f\"> </span><span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>irol un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg AG ist i<span class=\"_ _2\"></span>n For<span class=\"_ _2\"></span>m eine<span class=\"_ _2\"></span>r Kom<span class=\"_ _2\"></span>mandi<span class=\"_ _2\"></span>teinl<span class=\"_ _2\"></span>age in H<span class=\"_ _2\"></span>\u00f6he von m<span class=\"_ _2\"></span>axim<span class=\"_ _2\"></span>al 4.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac an de<span class=\"_ _2\"></span>r \u00f6ste<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ichi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Onsig<span class=\"_ _2\"></span>ht Ventures (<span class=\"_ _2\"></span>EuVECA) GmbH &amp; Co KG be<span class=\"_ _2\"></span>teilig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Die i<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt zuge<span class=\"_ _2\"></span>sag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Komm<span class=\"_ _2\"></span>andit<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>age in H\u00f6<span class=\"_ _2\"></span>he von 4<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac k<span class=\"_ _2\"></span>ann je nac<span class=\"_ _2\"></span>h Bed<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>f in Summe o<span class=\"_ _2\"></span>der i<span class=\"_ _2\"></span>n mehr<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en von de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t abg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en (Capit<span class=\"_ _2\"></span>al C<span class=\"_ _2\"></span>alls<span class=\"_ _9\"></span>). Per 31<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en noc<span class=\"_ _2\"></span>h of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>e Capi<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l Calls i<span class=\"_ _2\"></span>n H\u00f6h<span class=\"_ _2\"></span>e von 1<span class=\"_ _9\"></span>.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nsak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, bei d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re mit d<span class=\"_ _2\"></span>er Vereinba<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r R\u00fcck<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ung zu ei<span class=\"_ _2\"></span>nem be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t verk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>ls Pensio<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te be<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie in Pens<span class=\"_ _2\"></span>ion geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re werd<span class=\"_ _2\"></span>en weit<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>in in de<span class=\"_ _2\"></span>r Ban<span class=\"_ _2\"></span>k f\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a im Wesentlic<span class=\"_ _2\"></span>hen a<span class=\"_ _2\"></span>lle mit d<span class=\"_ _2\"></span>em Eige<span class=\"_ _2\"></span>ntum ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nen Cha<span class=\"_ _2\"></span>ncen u<span class=\"_ _2\"></span>nd Ri<span class=\"_ _2\"></span>siken b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Bank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>leib<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zinst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e werde<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h Ausla<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n des Pen<span class=\"_ _2\"></span>sionsge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s r\u00fcc<span class=\"_ _2\"></span>k\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>st w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd der L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit d<span class=\"_ _2\"></span>es Pensio<span class=\"_ _2\"></span>nsgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tes B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r alle<span class=\"_ _2\"></span>r Zinsz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen un<span class=\"_ _2\"></span>d sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>r w\u00e4h<span class=\"_ _2\"></span>rend d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it er<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e. D<span class=\"_ _2\"></span>ie Bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung al<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht de<span class=\"_ _2\"></span>m wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>chen G<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>alt de<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on. I<span class=\"_ _2\"></span>m Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n von Pension<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re an Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e \u00fcber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>er Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t ohn<span class=\"_ _2\"></span>e Zins<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t pe<span class=\"_ _2\"></span>r 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 insgesamt 6<span class=\"_ _3\"></span>45.75<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 621.985 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>t ohne Zins<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>ung 657<span class=\"_ _10\"></span>.48<span class=\"_ _3\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>42<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>097 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>). D<span class=\"_ _2\"></span>ie Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>ere si<span class=\"_ _2\"></span>nd mit e<span class=\"_ _2\"></span>inem B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>4.<span class=\"_ _3\"></span>320 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 201.832 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) der K<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie \u201e<span class=\"_ _3\"></span>Schu<span class=\"_ _2\"></span>ldti<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t\u201c, mit 0 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) der K<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dtite<span class=\"_ _2\"></span>l (Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Op<span class=\"_ _2\"></span>tion)<span class=\"_ _4\"></span>\u201c und m<span class=\"_ _2\"></span>it 503<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>164 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>265 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie \u201e<span class=\"_ _3\"></span>Sch<span class=\"_ _2\"></span>uldt<span class=\"_ _2\"></span>itel<span class=\"_ _2\"></span>, zu for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>\u201c gew<span class=\"_ _2\"></span>idme<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die d<span class=\"_ _2\"></span>azugeh<span class=\"_ _2\"></span>\u00f6rig<span class=\"_ _2\"></span>en Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten si<span class=\"_ _2\"></span>nd unte<span class=\"_ _2\"></span>r \u201e<span class=\"_ _4\"></span>Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>uten\u201c ausgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>, die Aus<span class=\"_ _2\"></span>n\u00fct<span class=\"_ _2\"></span>zung p<span class=\"_ _2\"></span>er 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 betr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 2<span class=\"_ _2\"></span>3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 350.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). Die Ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h \u00a7 6<span class=\"_ _2\"></span>4 (1<span class=\"_ _10\"></span>) Z 10 und 1<span class=\"_ _10\"></span>1 BWG be<span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>n sich i<span class=\"_ _2\"></span>m Einzela<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V AG zum 31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4. De<span class=\"_ _2\"></span>r Nom<span class=\"_ _2\"></span>inalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r bege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 insgesam<span class=\"_ _2\"></span>t 1<span class=\"_ _9\"></span>.497<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>89<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>.4<span class=\"_ _2\"></span>42<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>582 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>33<span class=\"ws1\">a Angaben im Zusammenhang mit</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>Saldierungen v<span class=\"_ _9\"></span>on Finanzinstrumenten <span class=\"ls2\"> </span>per<span class=\"lse ws1\"> 31.12.2024</span><span class=\"lse ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Bilanzierte <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>finanzielle <span class=\"_ _56\"></span><span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte/<span class=\"_ _39f\"> </span>Schulden<span class=\"_ _39f\"> </span>Effekte aus <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Aufrechnungs-<span class=\"ls2 ws1\"> </span>vereinbarung<span class=\"_ _9\"></span>en<span class=\"_ _39f\"> </span>Erhaltene/ <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>gegebene  <span class=\"ls2 ws1\"> </span>Sicherheiten in Form von Finan<span class=\"_ _9\"></span>z-<span class=\"ls2\"> </span>instrumenten<span class=\"_ _39f\"> </span>Finanzielle <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte/<span class=\"_ _39f\"> </span>Schulden (netto)<span class=\"_ _39f\"> </span>Handelsaktiva <span class=\"_ _2\"></span>\u2212 Derivate<span class=\"_ _b8\"> </span><span class=\"ff2\">79.728<span class=\"_ _105\"> </span></span>\u221222.225<span class=\"_ _105\"> </span>\u221223.338<span class=\"_ _21d\"> </span><span class=\"ff2\">34.165<span class=\"_ _39f\"> </span></span>Summe Forderungen<span class=\"_ _325\"> </span><span class=\"wse\">79.728<span class=\"_ _6d\"> </span><span class=\"ff6f9\">\u221222.225<span class=\"_ _61\"> </span>\u221223.338<span class=\"_ _88\"> </span></span>34.165<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten und Kundeneinl<span class=\"_ _2\"></span>agen<span class=\"_ _39f\"> </span>10.814.085<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1ca\"> </span></span><span class=\"ff4\">\u22121.704.542<span class=\"_ _9d\"> </span></span>9.109.543<span class=\"_ _39f\"> </span>Handelspassiva \u2212 <span class=\"_ _2\"></span>Derivate<span class=\"_ _2f4\"> </span><span class=\"ff2\">37.286<span class=\"_ _105\"> </span></span>\u221222.225<span class=\"_ _104\"> </span>\u22121.033<span class=\"_ _21d\"> </span><span class=\"ff2\">14.029<span class=\"_ _39f\"> </span></span>Summe V<span class=\"_ _4\"></span>erbindlichkeiten<span class=\"_ _86\"> </span><span class=\"wse\">10.851.371<span class=\"_ _61\"> </span><span class=\"ff6f9\">\u221222.225<span class=\"_ _122\"> </span>\u22121.705.575<span class=\"_ _14b\"> </span></span>9.123.572<span class=\"_ _39f\"> </span></span>Angaben im Zusammenhang mit <span class=\"ls2\"> </span>Saldierungen v<span class=\"_ _9\"></span>on Finanzinstrumenten <span class=\"ls2\"> </span>per<span class=\"lse ws1\"> 31.12.2023</span><span class=\"lse ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Bilanzierte <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>finanzielle <span class=\"_ _56\"></span><span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte/<span class=\"_ _39f\"> </span>Schulden<span class=\"_ _39f\"> </span>Effekte aus <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Aufrechnungs-<span class=\"ls2 ws1\"> </span>vereinbarung<span class=\"_ _9\"></span>en<span class=\"_ _39f\"> </span>Erhaltene/ <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>gegebene  <span class=\"ls2 ws1\"> </span>Sicherheiten in Form von Finan<span class=\"_ _9\"></span>z-<span class=\"ls2\"> </span>instrumenten<span class=\"_ _39f\"> </span>Finanzielle <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte/<span class=\"_ _39f\"> </span>Schulden (netto)<span class=\"_ _39f\"> </span>Handelsaktiva <span class=\"_ _2\"></span>\u2212 Derivate<span class=\"_ _b8\"> </span><span class=\"ff2\">73.605<span class=\"_ _105\"> </span></span>\u221226.890<span class=\"_ _105\"> </span>\u221220.391<span class=\"_ _21d\"> </span><span class=\"ff2\">26.324<span class=\"_ _39f\"> </span></span>Summe Forderungen<span class=\"_ _325\"> </span><span class=\"wse\">73.605<span class=\"_ _6d\"> </span><span class=\"ff6f9\">\u221226.890<span class=\"_ _61\"> </span>\u221220.391<span class=\"_ _88\"> </span></span>26.324<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten und Kundeneinl<span class=\"_ _2\"></span>agen<span class=\"_ _39f\"> </span>10.527.884<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1ca\"> </span></span><span class=\"ff4\">\u22122.109.755<span class=\"_ _9d\"> </span></span>8.418.129<span class=\"_ _39f\"> </span>Handelspassiva \u2212 <span class=\"_ _2\"></span>Derivate<span class=\"_ _2f4\"> </span><span class=\"ff2\">65.235<span class=\"_ _105\"> </span></span>\u221226.890<span class=\"_ _105\"> </span>\u221211.414<span class=\"_ _21d\"> </span><span class=\"ff2\">26.931<span class=\"_ _39f\"> </span></span>Summe V<span class=\"_ _4\"></span>erbindlichkeiten<span class=\"_ _86\"> </span><span class=\"wse\">10.593.119<span class=\"_ _61\"> </span><span class=\"ff6f9\">\u221226.890<span class=\"_ _122\"> </span>\u22122.121.169<span class=\"_ _14b\"> </span></span>8.445.060<span class=\"_ _39f\"> </span></span>33b Ausg<span class=\"_ _9\"></span>ew\u00e4hlte Daten und K<span class=\"_ _4\"></span>ennzahlen 2024<span class=\"_ _39f\"> </span>zu den Niederlassungen gem<span class=\"wse\">. </span><span class=\"ls2\">\u00a7</span> 64 BWG in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _26d\"> </span><span class=\"fs6 lse wse\">\u00d6sterreich<span class=\"_ _14a\"> </span>Schwei<span class=\"_ _9\"></span>z<span class=\"_ _f8\"> </span>Deutschland<span class=\"_ _39f\"> </span></span>Nettozinsertrag<span class=\"_ _327\"> </span><span class=\"ff2\">186.147<span class=\"_ _d3\"> </span>13.960<span class=\"_ _d3\"> </span>66.054<span class=\"_ _39f\"> </span></span>Betriebser<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _274\"> </span><span class=\"ff2\">329.951<span class=\"_ _d3\"> </span>19.176<span class=\"_ _d3\"> </span>74.853<span class=\"_ _39f\"> </span></span>Anzahl Mitarbeiter in <span class=\"_ _2\"></span>Personenjahren<span class=\"_ _207\"> </span><span class=\"ff2\">1.458<span class=\"_ _10f\"> </span>28<span class=\"_ _85\"> </span>82<span class=\"_ _39f\"> </span></span>Jahresergebnis vor Steuern<span class=\"_ _1f7\"> </span><span class=\"ff2\">205.835<span class=\"_ _d3\"> </span>10.195<span class=\"_ _d3\"> </span>48.848<span class=\"_ _39f\"> </span></span>Steuern vom Einkommen<span class=\"_ _328\"> </span><span class=\"ff2\">29.634<span class=\"_ _de\"> </span>1.084<span class=\"_ _d3\"> </span>10.432<span class=\"_ _39f\"> </span></span>Ausg<span class=\"_ _9\"></span>ew\u00e4hlte Daten und K<span class=\"_ _4\"></span>ennzahlen 2023<span class=\"_ _39f\"> </span>zu den Niederlassungen gem. \u00a7 64 BWG in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _26d\"> </span><span class=\"fs6 lse wse\">\u00d6sterreich<span class=\"_ _14a\"> </span>Schwei<span class=\"_ _9\"></span>z<span class=\"_ _f8\"> </span>Deutschland<span class=\"_ _39f\"> </span></span>Nettozinsertrag<span class=\"_ _327\"> </span><span class=\"ff2\">172.147<span class=\"_ _d3\"> </span>13.342<span class=\"_ _d3\"> </span>66.422<span class=\"_ _39f\"> </span></span>Betriebser<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _274\"> </span><span class=\"ff2\">312.826<span class=\"_ _d3\"> </span>18.050<span class=\"_ _d3\"> </span>74.026<span class=\"_ _39f\"> </span></span>Anzahl Mitarbeiter in <span class=\"_ _2\"></span>Personenjahren<span class=\"_ _207\"> </span><span class=\"ff2\">1.416<span class=\"_ _10f\"> </span>24<span class=\"_ _85\"> </span>82<span class=\"_ _39f\"> </span></span>Jahresergebnis vor Steuern<span class=\"_ _1f7\"> </span><span class=\"ff2\">176.648<span class=\"_ _d3\"> </span>11.842<span class=\"_ _d3\"> </span>40.905<span class=\"_ _39f\"> </span></span>Steuern vom Einkommen<span class=\"_ _328\"> </span><span class=\"ff2\">23.337<span class=\"_ _de\"> </span>1.321<span class=\"_ _de\"> </span>8.663<span class=\"_ _39f\"> </span></span>In de<span class=\"_ _2\"></span>r Schweiz h<span class=\"_ _2\"></span>at die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine N<span class=\"_ _2\"></span>ied<span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>assung<span class=\"_ _3\"></span>, die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Schweiz mi<span class=\"_ _2\"></span>t Sit<span class=\"_ _2\"></span>z in St<span class=\"_ _2\"></span>aad<span class=\"_ _2\"></span>, und di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V Lea<span class=\"_ _2\"></span>sing ein<span class=\"_ _2\"></span>e Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V Leas<span class=\"_ _2\"></span>ing Schwei<span class=\"_ _2\"></span>z AG, eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s mit Sit<span class=\"_ _2\"></span>z i<span class=\"_ _2\"></span>n Staa<span class=\"_ _2\"></span>d. I<span class=\"_ _2\"></span>n Deu<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chla<span class=\"_ _2\"></span>nd hat di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V ein<span class=\"_ _2\"></span>e Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>and mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in M\u00fcnch<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, und die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Lea<span class=\"_ _2\"></span>sing ein<span class=\"_ _2\"></span>e Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>lassu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Lea<span class=\"_ _2\"></span>sing De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>and Gm<span class=\"_ _2\"></span>bH<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls mit S<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>z in M\u00fcn<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Gesamtkapitalrentabilit\u00e4t gem. \u00a7 64 BWG<span class=\"_ _1fc\"> </span><span class=\"wse\">2024<span class=\"_ _de\"> </span>2023<span class=\"_ _39f\"> </span></span>Gesamtkapitalre<span class=\"_ _2\"></span>ntabilit\u00e4t<span class=\"_ _237\"> </span>1,45 %<span class=\"_ _4f\"> </span>1,32 %<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>3d V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbrie<span class=\"_ _2\"></span>fungs<span class=\"_ _2\"></span>transak<span class=\"_ _3\"></span>tionen Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>te im D<span class=\"_ _2\"></span>eze<span class=\"_ _2\"></span>mber <span class=\"_ _2\"></span>2020 <span class=\"_ _2\"></span>ihre <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>eti<span class=\"_ _2\"></span>sche <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on du<span class=\"_ _2\"></span>rch<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>iel eine<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikoab<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>es g<span class=\"_ _2\"></span>ro\u00dfte<span class=\"_ _2\"></span>ils \u00f6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>chisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>MU<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>ios mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r EI<span class=\"_ _2\"></span>B<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Europ<span class=\"_ _2\"></span>\u00e4isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ionsb<span class=\"_ _2\"></span>ank (<span class=\"_ _2\"></span>EI<span class=\"_ _2\"></span>B) und d<span class=\"_ _2\"></span>em E<span class=\"_ _2\"></span>urop\u00e4<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>onds <span class=\"_ _2\"></span>(EI<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>)<span class=\"_ _2\"></span>, siche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>i Mez<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>anin<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _9\"></span>T<span class=\"_ _4\"></span>ran<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n ab. <span class=\"_ _2\"></span> Da<span class=\"_ _2\"></span>s Ref<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzpor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>olume<span class=\"_ _2\"></span>n von i<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt 69<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>,6 <span class=\"_ _2\"></span>Mio. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _9\"></span> Die T<span class=\"_ _9\"></span>ran<span class=\"_ _2\"></span>sak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>ine W<span class=\"_ _2\"></span>ied<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>riod<span class=\"_ _2\"></span>e von <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wei J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>olume<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>te sic<span class=\"_ _2\"></span>h im n<span class=\"_ _2\"></span>un ab<span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ufe<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nen <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hr au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ilgu<span class=\"_ _2\"></span>ngen a<span class=\"_ _2\"></span>uf 3<span class=\"_ _2\"></span>67<span class=\"_ _10\"></span>,<span class=\"_ _3\"></span>3 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erbrief<span class=\"_ _2\"></span>ung 1 <span class=\"ls2\"> </span>EIB/EIF<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>anchenh\u00f6he per 31.12.2024<span class=\"_ _39f\"> </span>in Mio. \u20ac<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>anchenh\u00f6he per 31.12.2023<span class=\"_ _39f\"> </span>in Mio. \u20ac<span class=\"_ _fc\"> </span><span class=\"fs6 lse\">Anteil in %<span class=\"_ _39f\"> </span></span>Garantierter Anteil in %<span class=\"_ _39f\"> </span>Senior<span class=\"_ _327\"> </span><span class=\"lse wse\">289,1 <span class=\"_ _214\"> </span>420,6 <span class=\"_ _f4\"> </span>78,7 %<span class=\"_ _39f\"> </span></span>Upper <span class=\"_ _2\"></span>Mezzanine<span class=\"_ _41\"> </span>23,3 <span class=\"_ _105\"> </span>33,9 <span class=\"_ _9c\"> </span>6,4 <span class=\"_ _2\"></span>%<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Lower Mezzanine<span class=\"_ _40\"> </span>45,6 <span class=\"_ _72\"> </span>66,3 <span class=\"_ _f4\"> </span>12,4 <span class=\"_ _2\"></span>%<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Junior<span class=\"_ _1bb\"> </span>9,3 <span class=\"_ _72\"> </span>10,7 <span class=\"_ _1e3\"> </span>2,5 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2af\"> </span>367,3<span class=\"_ _4f\"> </span>531,6<span class=\"_ _111\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Exc<span class=\"_ _9\"></span>ess Spread<span class=\"_ _2af\"> </span><span class=\"ls2 ws1\">-<span class=\"_ _80\"> </span></span>2,0<span class=\"_ _39f\"> </span>Im D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ein<span class=\"_ _2\"></span>e z<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>e s<span class=\"_ _2\"></span>ynt<span class=\"_ _2\"></span>het<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verbri<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>durch<span class=\"_ _2\"></span>. M<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ziel eine<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikoab<span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng ein<span class=\"_ _2\"></span>es H<span class=\"_ _2\"></span>yp<span class=\"_ _2\"></span>othe<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folios <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Ga<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ntie <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tie d<span class=\"_ _2\"></span>es p<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>n Inves<span class=\"_ _2\"></span>tors <span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Junio<span class=\"_ _2\"></span>r-<span class=\"_ _4\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>b. Das <span class=\"_ _2\"></span>Ref<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nzpor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lio h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>zum Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vdat<span class=\"_ _2\"></span>um 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2023 e<span class=\"_ _2\"></span>in Volumen <span class=\"_ _2\"></span>von insg<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>t 667<span class=\"_ _4\"></span>,9 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. Da<span class=\"_ _2\"></span>s Volumen ve<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>inger<span class=\"_ _3\"></span>te si<span class=\"_ _2\"></span>ch im <span class=\"_ _2\"></span>nun a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d von T<span class=\"_ _2\"></span>ilg<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f 565<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erbrief<span class=\"_ _2\"></span>ung 2 Privater Inv<span class=\"_ _4\"></span>es<span class=\"_ _2\"></span>tor T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>anchenh\u00f6he per 31.12.2024<span class=\"_ _39f\"> </span>in Mio. \u20ac<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>anchenh\u00f6he per 31.12.2023<span class=\"_ _39f\"> </span>in Mio. \u20ac<span class=\"_ _fc\"> </span><span class=\"fs6 lse\">Anteil in %<span class=\"_ _39f\"> </span></span>Garantierter Anteil in %<span class=\"_ _39f\"> </span>Senior<span class=\"_ _327\"> </span><span class=\"lse wse\">536,5<span class=\"_ _183\"> </span>633,9<span class=\"_ _114\"> </span>94,9 %<span class=\"_ _39f\"> </span></span>Junior<span class=\"_ _28d\"> </span>28,8<span class=\"_ _95\"> </span>34,1<span class=\"_ _10d\"> </span>5,1 %<span class=\"_ _144\"> </span>100,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2af\"> </span>565,3<span class=\"_ _4f\"> </span>667,9<span class=\"_ _111\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Exc<span class=\"_ _9\"></span>ess Spread<span class=\"_ _329\"> </span>0,2<span class=\"_ _80\"> </span>0,1<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siko\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die I<span class=\"_ _2\"></span>nvesto<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>isikoge<span class=\"_ _2\"></span>wich<span class=\"_ _2\"></span>tete <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a ver<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t und r<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>lator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>igese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>z de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t kein<span class=\"_ _2\"></span>e Aus<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>rhin <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>swei<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Gar<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>tiep<span class=\"_ _2\"></span>rovisi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Posit<span class=\"_ _2\"></span>ion \u201e<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>rovi<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d/Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u201c<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nsak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en ni<span class=\"_ _2\"></span>cht g<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Sie <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>im Fa<span class=\"_ _2\"></span>ll de<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>EI<span class=\"_ _2\"></span>B/EIF <span class=\"_ _2\"></span>sp\u00e4t<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>ns i<span class=\"_ _2\"></span>m Se<span class=\"_ _2\"></span>ptem<span class=\"_ _2\"></span>ber 2038 <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>m Fal<span class=\"_ _2\"></span>l de<span class=\"_ _2\"></span>r z<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>en Verbr<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>im M<span class=\"_ _2\"></span>\u00e4r<span class=\"_ _2\"></span>z 2037 f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>vorbe<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Aus\u00fc<span class=\"_ _2\"></span>bung von <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>K\u00fcnd<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>n. Zur B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikogew<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Fo<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>lans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z (S<span class=\"_ _2\"></span>EC-SA A<span class=\"_ _2\"></span>ppro<span class=\"_ _2\"></span>ach) her<span class=\"_ _2\"></span>angezo<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>von ihr<span class=\"_ _2\"></span>em Wahlre<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>laut <span class=\"_ _2\"></span>Ar<span class=\"_ _3\"></span>tikel <span class=\"_ _2\"></span>253 (1<span class=\"_ _10\"></span>) <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Regu<span class=\"_ _2\"></span>lier<span class=\"_ _2\"></span>ung 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>7<span class=\"_ _10\"></span>/<span class=\"_ _2\"></span>2401 <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>acht <span class=\"_ _2\"></span>und z<span class=\"_ _2\"></span>ieht <span class=\"_ _2\"></span>die Verbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>fung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ositio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>isikoge<span class=\"_ _2\"></span>wich<span class=\"_ _2\"></span>t von 1.<span class=\"_ _2\"></span>250 <span class=\"_ _2\"></span>% vom K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al a<span class=\"_ _2\"></span>b und <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht me<span class=\"_ _2\"></span>hr i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>isikoge<span class=\"_ _2\"></span>wicht<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a. <span class=\"_ _2\"></span>Die S<span class=\"_ _2\"></span>elbs<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>cht w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>Einbe<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>t von m<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ns 5 <span class=\"_ _2\"></span>% von j<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>m ver<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ief<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>fung<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t (Ar<span class=\"_ _2\"></span>tikel <span class=\"_ _2\"></span>6 (<span class=\"_ _2\"></span>3b<span class=\"_ _9\"></span>) der <span class=\"_ _2\"></span>Reg<span class=\"_ _2\"></span>ulier<span class=\"_ _2\"></span>ung 2<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>7<span class=\"_ _10\"></span>/<span class=\"_ _2\"></span>24<span class=\"_ _2\"></span>02).<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewickelter derivativer Finanzprodukte pe<span class=\"_ _2\"></span>r 31.12.2024:<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2be\"> </span><span class=\"fs6 lse wse\">K<span class=\"_ _4\"></span>ontraktvolumen/Restlaufzeiten<span class=\"_ _342\"> </span>Marktwerte<span class=\"_ _39f\"> </span></span>positiv<span class=\"_ _108\"> </span>n<span class=\"_ _2\"></span>egativ<span class=\"_ _100\"> </span>positiv<span class=\"_ _5c\"> </span>negativ<span class=\"_ _60\"> </span>positiv<span class=\"_ _100\"> </span>neg<span class=\"_ _2\"></span>ativ<span class=\"_ _39f\"> </span>&lt; 1 Jahr<span class=\"_ _39f\"> </span>1 \u2013 5Jahre<span class=\"_ _e\"> </span><span class=\"ff4\">&gt; 5 Jahre<span class=\"_ _60\"> </span></span>Gesamt<span class=\"_ _9a\"> </span><span class=\"ff4\">&lt; <span class=\"_ _2\"></span>1 Jahr<span class=\"_ _fe\"> </span>1 \u2013 <span class=\"_ _2\"></span>5 Jahre<span class=\"_ _14b\"> </span>&gt; <span class=\"_ _2\"></span>5 Jahre<span class=\"_ _39f\"> </span></span>Zinsswaps<span class=\"_ _271\"> </span><span class=\"ff2\">271.948<span class=\"_ _108\"> </span>2.261.317<span class=\"_ _21\"> </span>846.808<span class=\"_ _fb\"> </span>3.380.073<span class=\"_ _fa\"> </span>873<span class=\"_ _c9\"> </span></span>\u22121.290<span class=\"_ _f\"> </span><span class=\"ff2\">22.887<span class=\"_ _108\"> </span></span>\u221215.997<span class=\"_ _39f\"> </span>22.717<span class=\"_ _39f\"> </span>\u221214.434<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _343\"> </span><span class=\"ff2 lse wse\">103.224<span class=\"_ _108\"> </span>1.151.417<span class=\"_ _21\"> </span>528.403<span class=\"_ _fb\"> </span>1.783.044<span class=\"_ _fa\"> </span>801<span class=\"_ _2ee\"> </span><span class=\"ff4\">\u221249<span class=\"_ _f\"> </span></span>12.138<span class=\"_ _107\"> </span><span class=\"ff4\">\u22127.793<span class=\"_ _39f\"> </span></span></span>13.451<span class=\"_ _39f\"> </span>\u22129.607Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">168.724<span class=\"_ _108\"> </span>1.109.900<span class=\"_ _21\"> </span>318.405<span class=\"_ _d\"> </span>1.597.029<span class=\"_ _d8\"> </span>73<span class=\"_ _c9\"> </span><span class=\"ff4\">\u22121.241<span class=\"_ _100\"> </span></span>10.749<span class=\"_ _12\"> </span><span class=\"ff4\">\u22128.204<span class=\"_ _39f\"> </span></span></span>9.266<span class=\"_ _39f\"> </span>\u22124.827<span class=\"_ _39f\"> </span>Zinssatzoptionen<span class=\"_ _d0\"> </span><span class=\"ff2\">292.174<span class=\"_ _ee\"> </span>88.688<span class=\"_ _e3\"> </span>32.142<span class=\"_ _10a\"> </span>413.004<span class=\"_ _fa\"> </span>290<span class=\"_ _cf\"> </span></span>\u2212289<span class=\"_ _11a\"> </span><span class=\"ff2\">718<span class=\"_ _ee\"> </span></span>\u2212716<span class=\"_ _f1\"> </span><span class=\"ff2\">386<span class=\"_ _ef\"> </span></span>\u2212306<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _343\"> </span><span class=\"ff2 lse wse\">146.087<span class=\"_ _ee\"> </span>44.344<span class=\"_ _ed\"> </span>16.071<span class=\"_ _10a\"> </span>206.502<span class=\"_ _fa\"> </span>290<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span>716<span class=\"_ _14a\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f1\"> </span></span>347<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221211<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">146.087<span class=\"_ _ee\"> </span>44.344<span class=\"_ _e3\"> </span>16.071<span class=\"_ _f3\"> </span>206.502<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _115\"> </span></span><span class=\"ff4\">\u2212289<span class=\"_ _145\"> </span></span><span class=\"ls2 ws1\">1<span class=\"_ _8e\"> </span></span><span class=\"ff4\">\u2212716<span class=\"_ _112\"> </span></span>39<span class=\"_ _f0\"> </span><span class=\"ff4\">\u2212295<span class=\"_ _39f\"> </span></span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _20\"> </span><span class=\"wse\">564.121<span class=\"_ _344\"> </span>2.350.004<span class=\"_ _5d\"> </span>878.951<span class=\"_ _6\"> </span>3.793.076<span class=\"_ _f\"> </span>1.163<span class=\"_ _d\"> </span><span class=\"ff6f9\">\u22121.579<span class=\"_ _f7\"> </span></span>23.605<span class=\"_ _101\"> </span><span class=\"ff6f9\">\u221216.713<span class=\"_ _39f\"> </span></span></span>23.103<span class=\"_ _39f\"> </span>\u221214.740<span class=\"_ _39f\"> </span>W\u00e4hrungsswaps<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Devisentermingesch\u00e4fte<span class=\"_ _62\"> </span><span class=\"ff2\">150.788<span class=\"_ _ee\"> </span>36.284<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10a\"> </span></span>187.072<span class=\"_ _fc\"> </span>5.105<span class=\"_ _c9\"> </span></span>\u22121.031<span class=\"_ _11a\"> </span><span class=\"ff2\">721<span class=\"_ _ee\"> </span></span>\u2212150<span class=\"_ _eb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>FX-Swaps<span class=\"_ _13b\"> </span><span class=\"ff2\">871.812<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _20\"> </span>0<span class=\"_ _10a\"> </span></span>871.812<span class=\"_ _fc\"> </span>9.502<span class=\"_ _c9\"> </span></span>\u22122.434<span class=\"_ _145\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>echselkursvertr\u00e4ge Gesamt<span class=\"_ _10b\"> </span><span class=\"wse\">1.022.600<span class=\"_ _f0\"> </span>36.284<span class=\"_ _6b\"> </span></span><span class=\"ls2\">0<span class=\"_ _13e\"> </span></span><span class=\"wse\">1.058.884<span class=\"_ _f9\"> </span>14.606<span class=\"_ _c\"> </span></span><span class=\"ff6f9 ls2\">\u22123.465<span class=\"_ _8e\"> </span></span><span class=\"wse\">721<span class=\"_ _ed\"> </span><span class=\"ff6f9\">\u2212150<span class=\"_ _98\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _e7\"> </span>0<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>29.000<span class=\"_ _ee\"> </span>65.500<span class=\"_ _57\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1d\"> </span></span>94.500<span class=\"_ _b\"> </span>8.304<span class=\"_ _59\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>6.467<span class=\"_ _8e\"> </span><span class=\"ff4\">\u2212777<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _270\"> </span><span class=\"ff2 lse wse\">29.000<span class=\"_ _ee\"> </span>65.500<span class=\"_ _57\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1d\"> </span></span>94.500<span class=\"_ _b\"> </span>8.304<span class=\"_ _59\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>6.467<span class=\"_ _8e\"> </span><span class=\"ff4\">\u2212777<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>29.000<span class=\"_ _f0\"> </span>65.500<span class=\"_ _6b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cf\"> </span></span>94.500<span class=\"_ _100\"> </span>8.304<span class=\"_ _91\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _107\"> </span></span>6.467<span class=\"_ _ed\"> </span><span class=\"ff6f9\">\u2212777<span class=\"_ _98\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span>0<span class=\"_ _39f\"> </span></span>Bankbuch Gesamt<span class=\"_ _24\"> </span><span class=\"wse\">1.615.721<span class=\"_ _e6\"> </span>2.451.788<span class=\"_ _5d\"> </span>878.951<span class=\"_ _13e\"> </span>4.946.460<span class=\"_ _13e\"> </span>24.074<span class=\"_ _c\"> </span></span><span class=\"ff6f9 ls2\">\u22125.044<span class=\"_ _f7\"> </span></span><span class=\"wse\">30.792<span class=\"_ _101\"> </span><span class=\"ff6f9\">\u221217.641<span class=\"_ _39f\"> </span></span></span>23.103<span class=\"_ _39f\"> </span>\u221214.740<span class=\"_ _39f\"> </span>Zinssatzoptionen \u2013 Handelsbu<span class=\"_ _2\"></span>ch<span class=\"_ _132\"> </span><span class=\"ff2\">553<span class=\"_ _ee\"> </span>11.529<span class=\"_ _e3\"> </span>21.791<span class=\"_ _1d\"> </span>33.874<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>4<span class=\"_ _8e\"> </span></span></span>\u2212113<span class=\"_ _8f\"> </span><span class=\"ff2\">685<span class=\"_ _90\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _1e4\"> </span><span class=\"ff2 lse wse\">266<span class=\"_ _ee\"> </span>11.018<span class=\"_ _e3\"> </span>19.887<span class=\"_ _1d\"> </span>31.171<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>4<span class=\"_ _8e\"> </span></span><span class=\"ff4\">\u2212113<span class=\"_ _8f\"> </span></span>685<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _345\"> </span><span class=\"ff2 lse wse\">287<span class=\"_ _f4\"> </span>511<span class=\"_ _97\"> </span>1.904<span class=\"_ _111\"> </span>2.703<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff4\">\u22124<span class=\"_ _39f\"> </span></span></span>Zinsswaps \u2013 <span class=\"_ _2\"></span>Handelsbuch<span class=\"_ _104\"> </span><span class=\"ff2\">1.200<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _e3\"> </span></span>25.000<span class=\"_ _1d\"> </span>26.200<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _10b\"> </span></span>1.255<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Kauf<span class=\"_ _2fc\"> </span><span class=\"ff2 lse wse\">1.200<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _e3\"> </span></span>25.000<span class=\"_ _8e\"> </span>26.200<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _10b\"> </span></span>1.255<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _62\"> </span><span class=\"wse\">1.753<span class=\"_ _f0\"> </span>11.529<span class=\"_ _125\"> </span>46.791<span class=\"_ _cf\"> </span>60.074<span class=\"_ _144\"> </span></span><span class=\"ls2\">6<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>4<span class=\"_ _e3\"> </span></span><span class=\"ff6f9 wse\">\u2212113<span class=\"_ _60\"> </span><span class=\"ff5\">1.940<span class=\"_ _e1\"> </span></span>\u22124<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _13d\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">88<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _13d\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">88<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _ea\"> </span><span class=\"lse wse\">2.000<span class=\"_ _127\"> </span>2.000<span class=\"_ _12d\"> </span></span>0<span class=\"_ _59\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _12c\"> </span>0<span class=\"_ _111\"> </span><span class=\"lse wse\">88<span class=\"_ _145\"> </span></span>0<span class=\"_ _39f\"> </span>Handelsbuch Gesamt<span class=\"_ _17\"> </span><span class=\"wse\">1.753<span class=\"_ _f0\"> </span>11.529<span class=\"_ _125\"> </span>48.791<span class=\"_ _cf\"> </span>62.074<span class=\"_ _144\"> </span></span><span class=\"ls2\">6<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>4<span class=\"_ _e3\"> </span></span><span class=\"ff6f9 wse\">\u2212113<span class=\"_ _60\"> </span><span class=\"ff5\">2.028<span class=\"_ _e1\"> </span></span>\u22124<span class=\"_ _39f\"> </span></span>Nicht abgewick<span class=\"_ _4\"></span>elte derivat<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente Gesamt<span class=\"_ _39f\"> </span>1.617.474<span class=\"_ _13e\"> </span>2.463.317<span class=\"_ _39f\"> </span>927.742<span class=\"_ _39f\"> </span>5.008.533<span class=\"_ _5\"> </span><span class=\"lse wse\">24.080<span class=\"_ _39f\"> </span></span>\u22125.044<span class=\"_ _108\"> </span><span class=\"ff5\">30.796<span class=\"_ _101\"> </span></span><span class=\"lse wse\">\u221217.754<span class=\"_ _39f\"> </span></span>25.131<span class=\"_ _39f\"> </span>\u221214.744<span class=\"_ _39f\"> </span>35 Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewick<span class=\"_ _9\"></span>elter deriv<span class=\"_ _2\"></span>ativer Finanzprodukte<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewickelter derivativer Finanzprodukte pe<span class=\"_ _2\"></span>r 31.12.2023:<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2be\"> </span><span class=\"fs6 lse wse\">K<span class=\"_ _4\"></span>ontraktvolumen/Restlaufzeiten<span class=\"_ _7b\"> </span>Marktwer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span></span>positiv<span class=\"_ _101\"> </span>negativ<span class=\"_ _100\"> </span>positiv<span class=\"_ _5d\"> </span>n<span class=\"_ _2\"></span>egativ<span class=\"_ _60\"> </span>positiv<span class=\"_ _100\"> </span>neg<span class=\"_ _2\"></span>ativ<span class=\"_ _39f\"> </span>&lt; 1 Jahr<span class=\"_ _39f\"> </span>1 \u2013 5<span class=\"_ _39f\"> </span>Jahre<span class=\"_ _e\"> </span><span class=\"ff4\">&gt; 5 Jahre<span class=\"_ _60\"> </span></span>Gesamt<span class=\"_ _9c\"> </span><span class=\"ff4\">&lt; 1 <span class=\"_ _2\"></span>Jahr<span class=\"_ _57\"> </span>1 <span class=\"_ _2\"></span>\u2013 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _14b\"> </span>&gt; 5 <span class=\"_ _2\"></span>Jahre<span class=\"_ _39f\"> </span></span>Zinsswaps<span class=\"_ _271\"> </span><span class=\"ff2\">136.729<span class=\"_ _108\"> </span>1.364.957<span class=\"_ _21\"> </span>793.659<span class=\"_ _fb\"> </span>2.295.345<span class=\"_ _b6\"> </span>527<span class=\"_ _5c\"> </span></span>\u22121.378<span class=\"_ _f\"> </span><span class=\"ff2\">20.626<span class=\"_ _fb\"> </span></span>\u221217.194<span class=\"_ _39f\"> </span>32.547<span class=\"_ _39f\"> </span>\u221216.765<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _182\"> </span><span class=\"ff2 lse wse\">31.414<span class=\"_ _f6\"> </span>649.656<span class=\"_ _10b\"> </span>499.886<span class=\"_ _fb\"> </span>1.180.957<span class=\"_ _b6\"> </span>527<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _100\"> </span></span>16.846<span class=\"_ _12\"> </span><span class=\"ff4\">\u22122.028<span class=\"_ _39f\"> </span></span></span>25.080<span class=\"_ _39f\"> </span>\u22127.358Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">105.314<span class=\"_ _f2\"> </span>715.300<span class=\"_ _21\"> </span>293.774<span class=\"_ _d\"> </span>1.114.388<span class=\"_ _112\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c9\"> </span></span><span class=\"ff4\">\u22121.378<span class=\"_ _f2\"> </span></span>3.780<span class=\"_ _fb\"> </span><span class=\"ff4\">\u221215.166<span class=\"_ _39f\"> </span></span></span>7.467<span class=\"_ _39f\"> </span>\u22129.407<span class=\"_ _39f\"> </span>Zinssatzoptionen<span class=\"_ _2df\"> </span><span class=\"ff2\">50.000<span class=\"_ _f6\"> </span>346.176<span class=\"_ _e3\"> </span>96.794<span class=\"_ _f3\"> </span>492.970<span class=\"_ _b6\"> </span>286<span class=\"_ _115\"> </span></span>\u2212286<span class=\"_ _f2\"> </span><span class=\"ff2\">2.865<span class=\"_ _12\"> </span></span>\u22122.828<span class=\"_ _21\"> </span><span class=\"ff2\">2.143<span class=\"_ _ef\"> </span></span>\u2212935<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _182\"> </span><span class=\"ff2 lse wse\">25.000<span class=\"_ _f6\"> </span>176.088<span class=\"_ _e3\"> </span>58.298<span class=\"_ _10a\"> </span>259.386<span class=\"_ _f8\"> </span>286<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f2\"> </span></span>2.865<span class=\"_ _111\"> </span><span class=\"ff4\">\u221227<span class=\"_ _10b\"> </span></span>2.143<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _270\"> </span><span class=\"ff2 lse wse\">25.000<span class=\"_ _f2\"> </span>170.088<span class=\"_ _e3\"> </span>38.496<span class=\"_ _f3\"> </span>233.584<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cf\"> </span></span><span class=\"ff4\">\u2212286<span class=\"_ _145\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _12\"> </span></span><span class=\"ff4\">\u22122.801<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _ef\"> </span></span><span class=\"ff4\">\u2212935<span class=\"_ _39f\"> </span></span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _20\"> </span><span class=\"wse\">186.729<span class=\"_ _344\"> </span>1.711.133<span class=\"_ _5d\"> </span>890.453<span class=\"_ _6\"> </span>2.788.315<span class=\"_ _f2\"> </span>814<span class=\"_ _63\"> </span><span class=\"ff6f9\">\u22121.664<span class=\"_ _131\"> </span></span>23.491<span class=\"_ _5\"> </span><span class=\"ff6f9\">\u221220.022<span class=\"_ _39f\"> </span></span></span>34.690<span class=\"_ _39f\"> </span>\u221217.700<span class=\"_ _39f\"> </span>W\u00e4hrungsswaps<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _112\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Devisentermingesch\u00e4fte<span class=\"_ _62\"> </span><span class=\"ff2\">118.719<span class=\"_ _ee\"> </span>66.115<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10a\"> </span></span>184.834<span class=\"_ _c\"> </span>1.650<span class=\"_ _5d\"> </span></span>\u22121.394<span class=\"_ _f3\"> </span><span class=\"ff2\">3.435<span class=\"_ _8e\"> </span></span>\u2212671<span class=\"_ _1ce\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>FX-Swaps<span class=\"_ _13b\"> </span><span class=\"ff2\">733.722<span class=\"_ _ee\"> </span>27.525<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>761.248<span class=\"_ _b6\"> </span>486<span class=\"_ _ff\"> </span></span>\u221217.305<span class=\"_ _ea\"> </span><span class=\"ff2\">187<span class=\"_ _12\"> </span></span>\u22122.946<span class=\"_ _1ce\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>echselkursvertr\u00e4ge Gesamt<span class=\"_ _ea\"> </span><span class=\"wse\">852.441<span class=\"_ _f0\"> </span>93.640<span class=\"_ _14b\"> </span></span><span class=\"ls2\">0<span class=\"_ _fc\"> </span></span><span class=\"wse\">946.081<span class=\"_ _131\"> </span>2.136<span class=\"_ _6\"> </span></span><span class=\"ff6f9 ls2\">\u221218.698<span class=\"_ _b\"> </span></span><span class=\"wse\">3.623<span class=\"_ _5d\"> </span><span class=\"ff6f9\">\u22123.617<span class=\"_ _98\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _e7\"> </span>0<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _ee\"> </span><span class=\"lse wse\">90.300<span class=\"_ _e3\"> </span>15.000<span class=\"_ _f3\"> </span>105.300<span class=\"_ _e1\"> </span></span>0<span class=\"_ _59\"> </span>0<span class=\"_ _f3\"> </span><span class=\"lse wse\">8.042<span class=\"_ _12\"> </span><span class=\"ff4\">\u22121.709<span class=\"_ _8f\"> </span></span>733<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221272<span class=\"_ _39f\"> </span></span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _ee\"> </span><span class=\"lse wse\">90.300<span class=\"_ _e3\"> </span>15.000<span class=\"_ _f3\"> </span>105.300<span class=\"_ _e1\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _f2\"> </span><span class=\"lse wse\">8.042<span class=\"_ _107\"> </span><span class=\"ff4\">\u22121.709<span class=\"_ _f1\"> </span></span>733<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221272<span class=\"_ _39f\"> </span></span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _f0\"> </span><span class=\"lse wse\">90.300<span class=\"_ _125\"> </span>15.000<span class=\"_ _fc\"> </span>105.300<span class=\"_ _112\"> </span></span>0<span class=\"_ _91\"> </span>0<span class=\"_ _b\"> </span><span class=\"lse wse\">8.042<span class=\"_ _5c\"> </span><span class=\"ff6f9\">\u22121.709<span class=\"_ _fa\"> </span></span>733<span class=\"_ _f1\"> </span><span class=\"ff6f9\">\u221272<span class=\"_ _39f\"> </span></span></span>Bankbuch Gesamt<span class=\"_ _24\"> </span><span class=\"wse\">1.039.170<span class=\"_ _e6\"> </span>1.895.073<span class=\"_ _5d\"> </span>905.453<span class=\"_ _13e\"> </span>3.839.696<span class=\"_ _131\"> </span>2.950<span class=\"_ _6\"> </span></span><span class=\"ff6f9 ls2\">\u221220.362<span class=\"_ _131\"> </span></span><span class=\"wse\">35.156<span class=\"_ _5\"> </span><span class=\"ff6f9\">\u221225.349<span class=\"_ _39f\"> </span></span></span>35.423<span class=\"_ _39f\"> </span>\u221217.772<span class=\"_ _39f\"> </span>Zinssatzoptionen \u2013 Handelsbu<span class=\"_ _2\"></span>ch<span class=\"_ _20\"> </span><span class=\"ff2\">50<span class=\"_ _b9\"> </span>1.117<span class=\"_ _d8\"> </span>5.077<span class=\"_ _111\"> </span>6.244<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>8<span class=\"_ _11a\"> </span></span></span>\u221211<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _2bf\"> </span><span class=\"ff2 lse wse\">32<span class=\"_ _f4\"> </span>531<span class=\"_ _d8\"> </span>2.216<span class=\"_ _111\"> </span>2.778<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>8<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _30e\"> </span><span class=\"ff2 lse wse\">19<span class=\"_ _f4\"> </span>586<span class=\"_ _d8\"> </span>2.861<span class=\"_ _111\"> </span>3.465<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _127\"> </span></span><span class=\"ff4\">\u221211<span class=\"_ _39f\"> </span></span></span>Zinsswaps \u2013 <span class=\"_ _2\"></span>Handelsbuch<span class=\"_ _121\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _130\"> </span><span class=\"wse\">50<span class=\"_ _11a\"> </span>1.117<span class=\"_ _ea\"> </span>5.077<span class=\"_ _127\"> </span>6.244<span class=\"_ _112\"> </span></span><span class=\"ls2\">0<span class=\"_ _106\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _98\"> </span>8<span class=\"_ _e0\"> </span></span><span class=\"ff6f9 wse\">\u221211<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">93<span class=\"_ _e7\"> </span></span>0<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">93<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _ea\"> </span><span class=\"lse wse\">2.000<span class=\"_ _127\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _12c\"> </span>0<span class=\"_ _111\"> </span><span class=\"lse wse\">93<span class=\"_ _145\"> </span></span>0<span class=\"_ _39f\"> </span>Handelsbuch Gesamt<span class=\"_ _b4\"> </span><span class=\"wse\">50<span class=\"_ _11a\"> </span>1.117<span class=\"_ _e0\"> </span>7.077<span class=\"_ _2ee\"> </span>8.244<span class=\"_ _112\"> </span></span><span class=\"ls2\">0<span class=\"_ _106\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _ee\"> </span></span><span class=\"wse\">101<span class=\"_ _f1\"> </span><span class=\"ff6f9\">\u221211<span class=\"_ _39f\"> </span></span></span>Nicht abgewick<span class=\"_ _4\"></span>elte derivat<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente Gesamt<span class=\"_ _39f\"> </span>1.039.220<span class=\"_ _13e\"> </span>1.896.190<span class=\"_ _39f\"> </span>912.530<span class=\"_ _39f\"> </span>3.847.940<span class=\"_ _108\"> </span><span class=\"lse wse\">2.950<span class=\"_ _39f\"> </span></span>\u221220.362<span class=\"_ _108\"> </span><span class=\"ff5\">35.156<span class=\"_ _101\"> </span></span><span class=\"lse wse\">\u221225.349<span class=\"_ _39f\"> </span></span>35.525<span class=\"_ _39f\"> </span>\u221217.783<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>svolu<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>je na<span class=\"_ _2\"></span>ch z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien z<span class=\"_ _2\"></span>inssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z-, wec<span class=\"_ _2\"></span>hselk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>ne G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te e<span class=\"_ _2\"></span>ingete<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hlte <span class=\"_ _2\"></span>Einte<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er Volumina <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nale<span class=\"_ _2\"></span>n Emp<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in zi<span class=\"_ _2\"></span>nssat<span class=\"_ _2\"></span>z-, <span class=\"_ _2\"></span>wech<span class=\"_ _2\"></span>selk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Zum Ul<span class=\"_ _2\"></span>timo 2024 hat<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>nur <span class=\"_ _2\"></span>OTC(<span class=\"_ _4\"></span>O<span class=\"_ _2\"></span>ver-the<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Counte<span class=\"_ _2\"></span>r)-<span class=\"_ _3\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken <span class=\"_ _2\"></span>geha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m Kund<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Cros<span class=\"_ _2\"></span>s-<span class=\"_ _3\"></span>Curre<span class=\"_ _2\"></span>nc<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>Swaps <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>optio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>chge<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V schli<span class=\"_ _2\"></span>e\u00dft die<span class=\"_ _2\"></span>se Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>genge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd nim<span class=\"_ _2\"></span>mt ke<span class=\"_ _2\"></span>in R<span class=\"_ _2\"></span>isiko a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>e Bu<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V selbs<span class=\"_ _2\"></span>t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>amtba<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos vor <span class=\"_ _2\"></span>allem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos sind es ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>chlic<span class=\"_ _2\"></span>h De<span class=\"_ _2\"></span>vise<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>minge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eing<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e wer<span class=\"_ _3\"></span>tpap<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich <span class=\"_ _2\"></span>emi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Veranlag<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>te. <span class=\"_ _2\"></span>Die d<span class=\"_ _2\"></span>azu b<span class=\"_ _2\"></span>en\u00f6t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>ptio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei Fremd<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Absic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m f<span class=\"_ _2\"></span>\u00fcr D<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t ide<span class=\"_ _2\"></span>ntis<span class=\"_ _2\"></span>ch m<span class=\"_ _2\"></span>it je<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t Fa<span class=\"_ _2\"></span>ir Value H<span class=\"_ _2\"></span>edge <span class=\"_ _2\"></span>Accoun<span class=\"_ _2\"></span>ting \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>wap<span class=\"_ _2\"></span>s an<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair Values von f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>nslic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>info<span class=\"_ _2\"></span>lge von <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>wegung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze a<span class=\"_ _2\"></span>bzusiche<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie F<span class=\"_ _2\"></span>air Values <span class=\"_ _2\"></span>der Siche<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vse<span class=\"_ _2\"></span>itig i<span class=\"_ _2\"></span>m son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>passi<span class=\"_ _2\"></span>vse<span class=\"_ _2\"></span>itig i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36 Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">207.986<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>254.835<span class=\"_ _120\"> </span>19.280<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.673<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>10.284<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>73.012<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>56.916<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>34.547<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">47.016<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.712<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">406.512<span class=\"_ _26\"> </span>99.008<span class=\"_ _d2\"> </span>275.186<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">353.898<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">28.562<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _187\"> </span><span class=\"lse wse\">8.724<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">391.184<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">232.958<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>224.841<span class=\"_ _120\"> </span>21.079<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.565<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span></span>7.676<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>74.290<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>66.578<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>37.080<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">54.890<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">20.674<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">18.604<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">366.450<span class=\"_ _26\"> </span>94.573<span class=\"_ _d2\"> </span>307.212<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">415.157<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">30.981<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.403<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">478.541<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>n d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Leve<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mglie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1.454 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>zw. \u22128<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>243 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Abg<span class=\"_ _2\"></span>ang)<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _3\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>an L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 auf 56<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _4\"></span>2 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>66<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>57<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>m B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde a<span class=\"_ _2\"></span>us Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei i<span class=\"_ _2\"></span>n Leve<span class=\"_ _2\"></span>l 3 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>zum<span class=\"_ _39f\"> </span>eizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t (F<span class=\"_ _3\"></span>VOCI) b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ein E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von \u2212<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: Verlus<span class=\"_ _2\"></span>t \u22121 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n 2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>869 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>nn 5<span class=\"_ _2\"></span>.78<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) an <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36a Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _9\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2024<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _1d9\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>K\u00e4u<span class=\"_ _2\"></span>fe<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in <span class=\"_ _47\"></span><span class=\"ls2\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2024<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>13.760<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221238.779<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>207.986<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>2.273<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>10.284<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _b4\"> </span></span><span class=\"ff4\">\u22124<span class=\"_ _120\"> </span></span>1.454<span class=\"_ _130\"> </span><span class=\"ff4\">\u22128.243<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _8b\"> </span></span>56.916<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>16.033<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221238.783<span class=\"_ _188\"> </span></span>1.454<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22128.243<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _15b\"> </span></span>275.186<span class=\"_ _39f\"> </span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair <span class=\"ls2\"> </span>V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _9\"></span> in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im <span class=\"_ _56\"></span><span class=\"ls2\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span><span class=\"wse\">K\u00e4ufe<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>32.320<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221228.526<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>232.958<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>2.564<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _ac\"> </span></span>7.676<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span><span class=\"ls2 ws1\">4<span class=\"_ _19b\"> </span></span><span class=\"ff4\">\u221297<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>66.578<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>34.888<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221228.623<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _177\"> </span>0<span class=\"_ _177\"> </span>0<span class=\"_ _80\"> </span></span>307.212<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>, inw<span class=\"_ _2\"></span>iewei<span class=\"_ _2\"></span>t Umg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppie<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>vante<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>Zw<span class=\"_ _9\"></span>eck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten vo<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>und der <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t als <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>6.1<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 6.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>91 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>327 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>87 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Values f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Level <span class=\"_ _2\"></span>3 ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>bzw. mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Sub<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr di<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>zug auf d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzier<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>als Z<span class=\"_ _9\"></span>weck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t k<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sshif<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>100 <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis diese<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>shif<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt u<span class=\"_ _2\"></span>nd mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>ten beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>snive<span class=\"_ _2\"></span>aus ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcng<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36b Sensitivit\u00e4tsanalyse Beteiligungen<span class=\"_ _9\"></span><span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _34c\"> </span>\u2212869<span class=\"_ _9d\"> </span>\u2212931<span class=\"_ _1cc\"> </span><span class=\"ff2\">+1.151<span class=\"_ _9a\"> </span>+1.216<span class=\"_ _39f\"> </span></span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiko we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>em p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io ne<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>u werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>die ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflu<span class=\"_ _2\"></span>ssf<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f das <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>n neg<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau bz<span class=\"_ _2\"></span>w. ein <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau gese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value ver<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>te ECL un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">c <span class=\"ls4f\">Bonit\u00e4tsbedingte V<span class=\"_ _4\"></span>er\u00e4nderung des beizulegenden Zeitw<span class=\"_ _9\"></span>erts bei</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"><span class=\"_ _2\"></span> </span></span>Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Negatives Szenario 31.12.2024<span class=\"_ _39f\"> </span>Negatives Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _1a3\"> </span>\u2212197,4<span class=\"_ _9a\"> </span>\u2212219,8<span class=\"_ _1cc\"> </span>+112,0<span class=\"_ _9a\"> </span>+145,0<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tz<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veau we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m Zi<span class=\"_ _2\"></span>nsshi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von +<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _3\"></span>0 B<span class=\"_ _2\"></span>asisp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>wor<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>gesh<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Zin<span class=\"_ _2\"></span>sku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ven <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>eu <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>d mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>h erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veaus <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">d <span class=\"ls4f\">Marktzinsbedin<span class=\"_ _9\"></span>gte V<span class=\"_ _9\"></span>er\u00e4nderung des beizuleg<span class=\"_ _9\"></span>enden Zeitwerts</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"> </span></span>bei Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario    <span class=\"_ _234\"> </span>\u22121.983,7<span class=\"_ _1ce\"> </span>\u22122.019,8<span class=\"_ _98\"> </span>+2.419,5<span class=\"_ _98\"> </span>+2.387,1<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>iob<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>te Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s is<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Se<span class=\"_ _2\"></span>ite 329 zu <span class=\"_ _2\"></span>find<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"_ _4\"></span>7 Fair V<span class=\"_ _4\"></span>alue von Finan<span class=\"_ _9\"></span>zinstrumenten, die n<span class=\"_ _9\"></span>icht zu<span class=\"_ _9\"></span>m beizu<span class=\"_ _9\"></span>legenden Zei<span class=\"_ _9\"></span>twert bewertet werden In d<span class=\"_ _2\"></span>er n<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>folge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>ten g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist der<span class=\"_ _2\"></span>jenig<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f ein<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>tes e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6<span class=\"_ _2\"></span>nnte o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr eine<span class=\"_ _2\"></span>n en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>werb <span class=\"_ _2\"></span>zu z<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>hne <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>fix<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it w<span class=\"_ _2\"></span>ar de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei f<span class=\"_ _2\"></span>ehl<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tpr<span class=\"_ _2\"></span>eise<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>urden <span class=\"_ _2\"></span>ane<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>re <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se dis<span class=\"_ _2\"></span>kontie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r Cashflows und Optionspreismode<span class=\"_ _2\"></span>lle, her<span class=\"_ _2\"></span>angezogen.<span class=\"_ _39f\"> </span>Aktiva<span class=\"ls2 ws1\"> <span class=\"lsb1 wscd\">zum<span class=\"_ _2\"></span></span> </span>31.12.2024<span class=\"fs9 ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Brutto-<span class=\"ls2 ws1\"> </span>buchwert Risiko-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>vorsorg<span class=\"_ _9\"></span>e<span class=\"_ _39f\"> </span>Netto-<span class=\"ls2 ws1\"> </span>buchwert<span class=\"_ _11a\"> </span><span class=\"lse ws1\">Fair V<span class=\"_ _9\"></span>alue<span class=\"_ _39f\"> </span></span>Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _1f3\"> </span><span class=\"ff2\">3.122.396<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _112\"> </span></span>3.122.396<span class=\"_ _112\"> </span>3.122.396<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>467.752<span class=\"_ _89\"> </span><span class=\"ff4\">\u221237<span class=\"_ _91\"> </span></span>467.715<span class=\"_ _91\"> </span>467.905<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>8.794.700<span class=\"_ _128\"> </span><span class=\"ff4\">\u2212209.127<span class=\"_ _112\"> </span></span>8.585.573<span class=\"_ _112\"> </span>8.595.925<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>924.918<span class=\"_ _9d\"> </span><span class=\"ff4\">\u2212966<span class=\"_ _91\"> </span></span>923.952<span class=\"_ _91\"> </span>917.479<span class=\"_ _39f\"> </span>Aktiva<span class=\"ls2 ws1\"> <span class=\"lsb1 wscd\">zum<span class=\"_ _2\"></span></span> </span>31.12.2023<span class=\"fs9 ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Brutto-<span class=\"ls2 ws1\"> </span>buchwert Risiko-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>vorsorg<span class=\"_ _9\"></span>e<span class=\"_ _39f\"> </span>Netto-<span class=\"ls2 ws1\"> </span>buchwert<span class=\"_ _11a\"> </span><span class=\"lse ws1\">Fair V<span class=\"_ _9\"></span>alue<span class=\"_ _39f\"> </span></span>Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _1f3\"> </span><span class=\"ff2\">2.999.856<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _112\"> </span></span>2.999.856<span class=\"_ _112\"> </span>2.999.856<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>381.051<span class=\"_ _89\"> </span><span class=\"ff4\">\u221229<span class=\"_ _91\"> </span></span>381.022<span class=\"_ _91\"> </span>381.071<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>8.536.383<span class=\"_ _128\"> </span><span class=\"ff4\">\u2212154.044<span class=\"_ _112\"> </span></span>8.382.339<span class=\"_ _112\"> </span>8.360.493<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>846.158<span class=\"_ _9d\"> </span><span class=\"ff4\">\u2212316<span class=\"_ _91\"> </span></span>845.842<span class=\"_ _91\"> </span>827.121<span class=\"_ _39f\"> </span>Passiva<span class=\"ls2 ws43\">  <span class=\"ws1\"> </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert 31.12.2024<span class=\"_ _39f\"> </span>Fair V<span class=\"_ _9\"></span>alue 31.12.2024<span class=\"_ _39f\"> </span>Buchwert 31.12.2023<span class=\"_ _39f\"> </span>Fair V<span class=\"_ _9\"></span>alue 31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>1.057.378<span class=\"_ _112\"> </span>1.057.410<span class=\"_ _112\"> </span>1.498.433<span class=\"_ _112\"> </span>1.500.149<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>9.756.707<span class=\"_ _112\"> </span>9.727.911<span class=\"_ _112\"> </span>9.029.451<span class=\"_ _112\"> </span>9.012.936<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>1.397.142<span class=\"_ _112\"> </span>1.392.325<span class=\"_ _112\"> </span>1.256.715<span class=\"_ _112\"> </span>1.229.872<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>F\u00fcr Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _3\"></span>Sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>s F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>, zu <span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>\u201c gew<span class=\"_ _2\"></span>idme<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir Value au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>reis <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>F\u00fcr Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t dur<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>m Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>gebi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>te Pr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>(im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>an B<span class=\"_ _2\"></span>\u00f6rs<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd auf f<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>tio<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higen <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>piere<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>), bild<span class=\"_ _2\"></span>et s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Dis<span class=\"_ _2\"></span>counte<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig pro<span class=\"_ _2\"></span>jizier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Cash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls g<span class=\"_ _2\"></span>eeig<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>ter D<span class=\"_ _2\"></span>iskon<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, um de<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ln<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>r fl<span class=\"_ _2\"></span>ie\u00dfe<span class=\"_ _2\"></span>n ad<span class=\"_ _2\"></span>\u00e4qua<span class=\"_ _2\"></span>te Cre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ads <span class=\"_ _2\"></span>je An<span class=\"_ _2\"></span>leih<span class=\"_ _2\"></span>eem<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nt mi<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>sich f<span class=\"_ _2\"></span>\u00fcr illiqui<span class=\"_ _2\"></span>de Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e in e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Linie <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>Swaps <span class=\"_ _2\"></span>ab. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>kein Cr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>Swap S<span class=\"_ _2\"></span>prea<span class=\"_ _2\"></span>d ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcgba<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>bare <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte von <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichba<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n. W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h ex<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n von D<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e all<span class=\"_ _2\"></span>erdi<span class=\"_ _2\"></span>ngs <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>alls <span class=\"_ _2\"></span>indi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tiven <span class=\"_ _2\"></span>Char<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>ter auf<span class=\"_ _2\"></span>weisen.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Im L<span class=\"_ _2\"></span>evel 3 <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng anh<span class=\"_ _2\"></span>and von <span class=\"_ _2\"></span>Mod<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r In<span class=\"_ _2\"></span>putp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>er ni<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare <span class=\"_ _2\"></span>Date<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>bank<span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r Lin<span class=\"_ _2\"></span>ie nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che \u201e<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>cos<span class=\"_ _2\"></span>t\u201c b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr i<span class=\"_ _2\"></span>st i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Rege<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de liege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>read <span class=\"_ _2\"></span>je G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>npar<span class=\"_ _3\"></span>tei <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>bek<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt un<span class=\"_ _2\"></span>d k<span class=\"_ _2\"></span>ann a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t abg<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>itet <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>bindlic<span class=\"_ _2\"></span>hkeiten<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>F\u00fcr Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bila<span class=\"_ _2\"></span>nzier<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>iscoun<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ted<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>proj<span class=\"_ _2\"></span>izier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Cash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>iskont<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>um de<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value z<span class=\"_ _2\"></span>u er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eln<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>kommt <span class=\"_ _2\"></span>dabe<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ad d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V zum <span class=\"_ _2\"></span>Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z, welch<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll zu <span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Anl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>emi<span class=\"_ _2\"></span>ssione<span class=\"_ _2\"></span>n or<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>\u00c4hnli<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>verb<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>ie nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nken Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andte<span class=\"_ _2\"></span>il d<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>vels 3<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Prod<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Rege<span class=\"_ _2\"></span>l nic<span class=\"_ _2\"></span>ht zu<span class=\"_ _2\"></span>m Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>dung e<span class=\"_ _2\"></span>ines beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls Di<span class=\"_ _2\"></span>scount<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit S<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>ad hie<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>\u00dfer Acht bleibt<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>38 <span class=\"ws1\">Fair-Value-Hierarchie v<span class=\"_ _4\"></span>on F<span class=\"_ _2\"></span>inanzinstrumenten, die nicht zum</span><span class=\"ws1\"><span class=\"_ _9\"></span> </span>beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bewertet wer<span class=\"_ _9\"></span>den, deren beizuleg<span class=\"_ _9\"></span>ender Zeitwert aber angegeben wir<span class=\"_ _9\"></span>d, per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _85\"> </span><span class=\"lse wse\">467.905<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">8.595.925<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>849.904<span class=\"_ _8b\"> </span>67.575<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt <span class=\"_ _179\"> </span><span class=\"lse wse\">849.904<span class=\"_ _32\"> </span>67.575<span class=\"_ _89\"> </span>9.063.829<span class=\"_ _39f\"> </span></span>Nicht zum Fair Value bew<span class=\"_ _9\"></span>ertete V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.057.410<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">9.727.911<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2\"> </span>   zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.342.820<span class=\"_ _8b\"> </span>49.505<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erpflichtungen insgesamt <span class=\"_ _271\"> </span><span class=\"ff5\">0<span class=\"_ _89\"> </span><span class=\"lse wse\">1.342.820<span class=\"_ _d3\"> </span>10.834.827<span class=\"_ _39f\"> </span></span></span>Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, die nicht zum beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bewertet wer<span class=\"_ _9\"></span>den, deren beizuleg<span class=\"_ _9\"></span>ender Zeitwert aber angegeben wir<span class=\"_ _9\"></span>d, per 31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _85\"> </span><span class=\"lse wse\">381.071<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">8.360.493<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>744.186<span class=\"_ _8b\"> </span>82.935<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt <span class=\"_ _179\"> </span><span class=\"lse wse\">744.186<span class=\"_ _32\"> </span>82.935<span class=\"_ _89\"> </span>8.741.563<span class=\"_ _39f\"> </span></span>Nicht zum Fair Value bew<span class=\"_ _9\"></span>ertete V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.500.149<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">9.012.936<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2\"> </span>   zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.181.254<span class=\"_ _8b\"> </span>48.618<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erpflichtungen insgesamt <span class=\"_ _271\"> </span><span class=\"ff5\">0<span class=\"_ _89\"> </span><span class=\"lse wse\">1.181.254<span class=\"_ _d3\"> </span>10.561.703<span class=\"_ _39f\"> </span></span></span>39 He<span class=\"_ _2\"></span>dge<span class=\"_ _2\"></span> Accounting<span class=\"_ _39f\"> </span>Grundgesch\u00e4fte zum 31.12.2024<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert des <span class=\"ls2 ws1\"> </span>Grundgesch\u00e4fts<span class=\"_ _39f\"> </span>K<span class=\"_ _9\"></span>umulierte B<span class=\"_ _2\"></span>uchwert-<span class=\"ls2\"> </span>anpassung f\u00fcr Grundge-<span class=\"_ _39f\"> </span>sch\u00e4fte bei Fair Value Hed<span class=\"_ _2\"></span>ges K<span class=\"_ _9\"></span>umulierte B<span class=\"_ _2\"></span>uchwert-<span class=\"ls2\"> </span>anpassung f\u00fcr Grundge-<span class=\"_ _39f\"> </span>sch\u00e4fte bei Fair Value Hedges, die nicht mehr im Sicherungsgewinn/-v<span class=\"_ _4\"></span>er<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lust angepasst wer<span class=\"_ _9\"></span>den<span class=\"_ _39f\"> </span>Aktiva<span class=\"_ _f4\"> </span>Passiva<span class=\"_ _94\"> </span>Aktiva <span class=\"_ _12e\"> </span>Passiva<span class=\"_ _94\"> </span>Aktiva <span class=\"_ _12e\"> </span>Passiva<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Forderungen an Kun<span class=\"_ _2\"></span>den <span class=\"_ _c4\"> </span><span class=\"ff2\">226.114<span class=\"_ _bc\"> </span></span>\u22129.873<span class=\"_ _7b\"> </span><span class=\"ff2 ls2 ws1\">0</span>   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _b3\"> </span><span class=\"ff2\">314.763<span class=\"_ _bc\"> </span></span>\u22124.265<span class=\"_ _7b\"> </span><span class=\"ff2 ls2 ws1\">0</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden <span class=\"_ _9b\"> </span><span class=\"ff2\">23.862<span class=\"_ _c4\"> </span></span>\u221221<span class=\"_ _7e\"> </span><span class=\"ff2 ls2 ws1\">0</span>   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten <span class=\"_ _1d9\"> </span><span class=\"ff2\">68.909<span class=\"_ _bc\"> </span></span>\u22121.365<span class=\"_ _7b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Grundgesch\u00e4fte zum 31.12.2023<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert des <span class=\"ls2 ws1\"> </span>Grundgesch\u00e4fts<span class=\"_ _39f\"> </span>K<span class=\"_ _9\"></span>umulierte B<span class=\"_ _2\"></span>uchwert-<span class=\"ls2\"> </span>anpassung f\u00fcr Grundge-<span class=\"_ _39f\"> </span>sch\u00e4fte bei Fair Value Hed<span class=\"_ _2\"></span>ges K<span class=\"_ _9\"></span>umulierte B<span class=\"_ _2\"></span>uchwert-<span class=\"ls2\"> </span>anpassung f\u00fcr Grundge-<span class=\"_ _39f\"> </span>sch\u00e4fte bei Fair Value Hedges, die nicht mehr im Sicherungsgewinn/-v<span class=\"_ _4\"></span>er<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>lust angepasst wer<span class=\"_ _9\"></span>den<span class=\"_ _39f\"> </span>Aktiva<span class=\"_ _f4\"> </span>Passiva<span class=\"_ _94\"> </span>Aktiva <span class=\"_ _12e\"> </span>Passiva<span class=\"_ _94\"> </span>Aktiva <span class=\"_ _12e\"> </span>Passiva<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Forderungen an Kun<span class=\"_ _2\"></span>den <span class=\"_ _c4\"> </span><span class=\"ff2\">256.623<span class=\"_ _24a\"> </span></span>\u221214.252<span class=\"_ _7e\"> </span><span class=\"ff2 ls2 ws1\">9</span>   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _b3\"> </span><span class=\"ff2\">210.791<span class=\"_ _bc\"> </span></span>\u22125.673<span class=\"_ _7b\"> </span><span class=\"ff2 ls2 ws1\">0</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden <span class=\"_ _9b\"> </span><span class=\"ff2\">46.762<span class=\"_ _13\"> </span></span>\u2212477<span class=\"_ _2f1\"> </span><span class=\"ff2\">329</span>   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten <span class=\"_ _1d9\"> </span><span class=\"ff2\">80.874<span class=\"_ _bc\"> </span></span>\u22122.167<span class=\"_ _7b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Sicherungsgesch\u00e4fte zum 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _34d\"> </span><span class=\"fs6 lse wse\">Nominalbetrag<span class=\"_ _194\"> </span><span class=\"lsa5 wsbf\">Buchwert<span class=\"_ _39f\"> </span></span></span>Aktiva <span class=\"_ _2fd\"> </span>Passiva<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen <span class=\"_ _31c\"> </span><span class=\"ff2\">428.596<span class=\"_ _32\"> </span>16.405<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0</span></span>   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten <span class=\"_ _2bb\"> </span><span class=\"ff2\">190.775<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _23\"> </span></span>3.052<span class=\"_ _39f\"> </span></span>Sicherungsgesch\u00e4fte zum 31.12.2023<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _34d\"> </span><span class=\"fs6 lse wse\">Nominalbetrag<span class=\"_ _194\"> </span><span class=\"lsa5 wsbf\">Buchwert<span class=\"_ _39f\"> </span></span></span>Aktiva <span class=\"_ _2fd\"> </span>Passiva<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen <span class=\"_ _31c\"> </span><span class=\"ff2\">449.871<span class=\"_ _32\"> </span>24.050<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0</span></span>   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten <span class=\"_ _2bb\"> </span><span class=\"ff2\">166.200<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _23\"> </span></span>3.703<span class=\"_ _39f\"> </span></span>Positive <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate i<span class=\"_ _2\"></span>m son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ten i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Positi<span class=\"_ _2\"></span>on D<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>te in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t 01.01.\u201331.12.2024<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t in <span class=\"_ _47\"></span><span class=\"ls2\"> </span>der GuV er<span class=\"_ _2\"></span>fasst<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t im <span class=\"_ _47\"></span><span class=\"ls2\"> </span>OCI er<span class=\"_ _2\"></span>fasst<span class=\"_ _39f\"> </span>Posten in der GuV und im OCI, in dem die Hedge-Ineffektivit\u00e4t ausgewiesen wird<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _18a\"> </span>\u22121.209<span class=\"_ _326\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _13a\"> </span></span>Erfolg <span class=\"_ _2\"></span>aus Finanzgesch\u00e4f<span class=\"_ _2\"></span>ten   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _167\"> </span>\u22121.626<span class=\"_ _326\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _34e\"> </span></span>Er<span class=\"_ _2\"></span>folg aus F<span class=\"_ _2\"></span>inanzgesch\u00e4ften   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _b4\"> </span><span class=\"ff2\">102<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13a\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus F<span class=\"_ _2\"></span>inanzgesch\u00e4ften   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _77\"> </span><span class=\"ff2\">284<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13a\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus <span class=\"_ _2\"></span>Finanzgesch\u00e4ften<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t 01.01.\u201331.12.2023<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t in <span class=\"_ _47\"></span><span class=\"ls2\"> </span>der GuV er<span class=\"_ _2\"></span>fasst<span class=\"_ _39f\"> </span>Ineffektivit\u00e4t im <span class=\"_ _47\"></span><span class=\"ls2\"> </span>OCI er<span class=\"_ _2\"></span>fasst<span class=\"_ _39f\"> </span>Posten in der GuV und im OCI, in dem die Hedge-Ineffektivit\u00e4t ausgewiesen wird<span class=\"_ _39f\"> </span>Fair Value Hedges<span class=\"_ _39f\"> </span>Zinsrisiko   <span class=\"_ _2\"></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _260\"> </span><span class=\"ff2\">1.113<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13a\"> </span></span></span>Er<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Finanzgesch\u00e4f<span class=\"_ _2\"></span>ten   <span class=\"_ _2\"></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _343\"> </span><span class=\"ff2\">962<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13a\"> </span></span></span>Er<span class=\"_ _2\"></span>folg aus <span class=\"_ _2\"></span>Finanzgesch\u00e4ften   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _349\"> </span><span class=\"ff2\">48<span class=\"_ _326\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _34e\"> </span></span></span>Er<span class=\"_ _3\"></span>folg aus F<span class=\"_ _2\"></span>inanzgesch\u00e4ften   <span class=\"_ _2\"></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _af\"> </span>\u2212197<span class=\"_ _326\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _13a\"> </span></span>Er<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Finanzgesch\u00e4f<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span>4<span class=\"_ _2\"></span>0 Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeiteng<span class=\"_ _2\"></span>liede<span class=\"_ _2\"></span>rung<span class=\"_ _39f\"> </span>Aktiva per 31.12.2024 <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _153\"> </span><span class=\"fs6 lse\">t\u00e4glich f<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _c\"> </span>&lt; 3 M<span class=\"_ _9\"></span>onate<span class=\"_ _101\"> </span>3 Mon. \u2013 1 J.<span class=\"_ _10b\"> </span>1 \u2013 5 Jahre<span class=\"_ _f1\"> </span>&gt; 5 Jahre<span class=\"_ _1e2\"> </span><span class=\"wse\">G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span></span></span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _333\"> </span><span class=\"ff2\">54.138<span class=\"_ _12b\"> </span>356.434<span class=\"_ _145\"> </span>57.142<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>467.715<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _39f\"> </span>2.252.600<span class=\"_ _12b\"> </span>271.288<span class=\"_ _90\"> </span>917.420<span class=\"_ _ee\"> </span>2.888.865<span class=\"_ _8e\"> </span>2.463.387<span class=\"_ _ee\"> </span>8.793.560<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _260\"> </span><span class=\"ff2\">326<span class=\"_ _145\"> </span>41.209<span class=\"_ _12b\"> </span>190.659<span class=\"_ _12b\"> </span>679.917<span class=\"_ _90\"> </span>470.390<span class=\"_ _ee\"> </span>1.382.500<span class=\"_ _39f\"> </span></span>Nicht derivative For<span class=\"_ _9\"></span>derungen<span class=\"_ _d2\"> </span><span class=\"wse\">2.307.064<span class=\"_ _e2\"> </span>668.931<span class=\"_ _125\"> </span>1.165.221<span class=\"_ _125\"> </span>3.568.782<span class=\"_ _125\"> </span>2.933.777<span class=\"_ _f\"> </span>10.643.775<span class=\"_ _39f\"> </span></span>Derivative Forderungen<span class=\"_ _2be\"> </span><span class=\"ff2\">293<span class=\"_ _145\"> </span>15.967<span class=\"_ _f4\"> </span>21.904<span class=\"_ _145\"> </span>39.477<span class=\"_ _99\"> </span>2.086<span class=\"_ _145\"> </span>79.728<span class=\"_ _39f\"> </span></span>Summe<span class=\"_ _273\"> </span>2.307.357<span class=\"_ _97\"> </span>684.899<span class=\"_ _125\"> </span>1.187.125<span class=\"_ _10a\"> </span>3.608.259<span class=\"_ _125\"> </span>2.935.863<span class=\"_ _5d\"> </span>10.723.502<span class=\"_ _39f\"> </span>Passiva per 31.12.2024 <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _6c\"> </span><span class=\"fs6 lse\">t\u00e4glic<span class=\"_ _9\"></span>h f<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _63\"> </span>&lt; 3 Monate<span class=\"_ _101\"> </span>3 Mon. \u2013 1 J<span class=\"_ _2\"></span>.<span class=\"_ _10b\"> </span>1 \u2013 5 Jahre<span class=\"_ _8f\"> </span>&gt; 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _1e2\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _1cc\"> </span><span class=\"ff2\">286.989<span class=\"_ _12b\"> </span>164.395<span class=\"_ _145\"> </span>72.707<span class=\"_ _12b\"> </span>261.056<span class=\"_ _90\"> </span>272.230<span class=\"_ _ee\"> </span>1.057.378<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _10f\"> </span><span class=\"ff2\">5.970.566<span class=\"_ _8e\"> </span>2.079.756<span class=\"_ _8e\"> </span>1.195.617<span class=\"_ _e1\"> </span>429.050<span class=\"_ _145\"> </span>81.718<span class=\"_ _8e\"> </span>9.756.707<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">60.443<span class=\"_ _90\"> </span>151.650<span class=\"_ _ee\"> </span>1.279.521<span class=\"_ _90\"> </span>259.427<span class=\"_ _ee\"> </span>1.751.040<span class=\"_ _39f\"> </span></span>Nicht derivative V<span class=\"_ _10\"></span>erbindlichkeiten<span class=\"_ _70\"> </span><span class=\"wse\">6.257.555<span class=\"_ _10a\"> </span>2.304.594<span class=\"_ _125\"> </span>1.419.974<span class=\"_ _125\"> </span>1.969.627<span class=\"_ _97\"> </span>613.375<span class=\"_ _f\"> </span>12.565.125<span class=\"_ _39f\"> </span></span>Derivative V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _a7\"> </span><span class=\"ff2\">146<span class=\"_ _99\"> </span>2.566<span class=\"_ _f4\"> </span>15.281<span class=\"_ _145\"> </span>27.682<span class=\"_ _f4\"> </span></span>\u22128.388<span class=\"_ _145\"> </span><span class=\"ff2\">37.286<span class=\"_ _39f\"> </span></span>Summe<span class=\"_ _273\"> </span>6.257.701<span class=\"_ _125\"> </span>2.307.160<span class=\"_ _125\"> </span>1.435.255<span class=\"_ _125\"> </span>1.997.309<span class=\"_ _97\"> </span>604.987<span class=\"_ _f\"> </span>12.602.411<span class=\"_ _39f\"> </span>Aktiva per 31.12.2023 <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _153\"> </span><span class=\"fs6 lse\">t\u00e4glich f<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _c\"> </span>&lt; 3 M<span class=\"_ _9\"></span>onate<span class=\"_ _101\"> </span>3 Mon. \u2013 1 J.<span class=\"_ _10b\"> </span>1 \u2013 5 Jahre<span class=\"_ _f1\"> </span>&gt; 5 Jahre<span class=\"_ _1e2\"> </span><span class=\"wse\">G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span></span></span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _333\"> </span><span class=\"ff2\">60.959<span class=\"_ _12b\"> </span>256.338<span class=\"_ _145\"> </span>63.725<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>381.022<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _39f\"> </span>2.117.096<span class=\"_ _12b\"> </span>269.358<span class=\"_ _90\"> </span>934.716<span class=\"_ _ee\"> </span>2.985.802<span class=\"_ _8e\"> </span>2.308.324<span class=\"_ _ee\"> </span>8.615.297<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _260\"> </span><span class=\"ff2\">464<span class=\"_ _145\"> </span>80.830<span class=\"_ _12b\"> </span>186.191<span class=\"_ _12b\"> </span>740.184<span class=\"_ _90\"> </span>279.282<span class=\"_ _ee\"> </span>1.286.951<span class=\"_ _39f\"> </span></span>Nicht derivative For<span class=\"_ _9\"></span>derungen<span class=\"_ _d2\"> </span><span class=\"wse\">2.178.519<span class=\"_ _e2\"> </span>606.527<span class=\"_ _125\"> </span>1.184.633<span class=\"_ _125\"> </span>3.725.986<span class=\"_ _125\"> </span>2.587.606<span class=\"_ _f\"> </span>10.283.271<span class=\"_ _39f\"> </span></span>Derivative Forderungen<span class=\"_ _78\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">825<span class=\"_ _99\"> </span>1.983<span class=\"_ _f4\"> </span>35.123<span class=\"_ _145\"> </span>35.562<span class=\"_ _145\"> </span>73.494<span class=\"_ _39f\"> </span></span>Summe<span class=\"_ _273\"> </span>2.178.519<span class=\"_ _97\"> </span>607.352<span class=\"_ _125\"> </span>1.186.616<span class=\"_ _10a\"> </span>3.761.109<span class=\"_ _125\"> </span>2.623.168<span class=\"_ _5d\"> </span>10.356.765<span class=\"_ _39f\"> </span>Passiva per 31.12.2023 <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _6c\"> </span><span class=\"fs6 lse\">t\u00e4glic<span class=\"_ _9\"></span>h f<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _63\"> </span>&lt; 3 Monate<span class=\"_ _101\"> </span>3 Mon. \u2013 1 J<span class=\"_ _2\"></span>.<span class=\"_ _10b\"> </span>1 \u2013 5 Jahre<span class=\"_ _8f\"> </span>&gt; 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _1e2\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _1cc\"> </span><span class=\"ff2\">288.464<span class=\"_ _12b\"> </span>117.320<span class=\"_ _12b\"> </span>464.786<span class=\"_ _90\"> </span>313.840<span class=\"_ _12b\"> </span>314.022<span class=\"_ _8e\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _10f\"> </span><span class=\"ff2\">5.189.095<span class=\"_ _8e\"> </span>1.429.611<span class=\"_ _8e\"> </span>1.702.734<span class=\"_ _e1\"> </span>602.877<span class=\"_ _90\"> </span>105.134<span class=\"_ _8e\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">35.909<span class=\"_ _90\"> </span>159.051<span class=\"_ _ee\"> </span>1.210.578<span class=\"_ _90\"> </span>266.334<span class=\"_ _ee\"> </span>1.671.872<span class=\"_ _39f\"> </span></span>Nicht derivative V<span class=\"_ _10\"></span>erbindlichkeiten<span class=\"_ _70\"> </span><span class=\"wse\">5.477.560<span class=\"_ _10a\"> </span>1.582.840<span class=\"_ _125\"> </span>2.326.571<span class=\"_ _125\"> </span>2.127.295<span class=\"_ _97\"> </span>685.490<span class=\"_ _f\"> </span>12.199.756<span class=\"_ _39f\"> </span></span>Derivative V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _a7\"> </span><span class=\"ff2\">149<span class=\"_ _145\"> </span>18.004<span class=\"_ _f4\"> </span>15.952<span class=\"_ _145\"> </span>24.872<span class=\"_ _99\"> </span>4.407<span class=\"_ _145\"> </span>63.385<span class=\"_ _39f\"> </span></span>Summe<span class=\"_ _273\"> </span>5.477.709<span class=\"_ _125\"> </span>1.600.844<span class=\"_ _125\"> </span>2.342.522<span class=\"_ _125\"> </span>2.152.167<span class=\"_ _97\"> </span>689.897<span class=\"_ _f\"> </span>12.263.140",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-11": {
   "value": "2 Forderungen an Kr<span class=\"_ _9\"></span>editinstitute <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _22d\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten <span class=\"_ _22e\"> </span><span class=\"ff2\">467.715<span class=\"_ _91\"> </span>381.022<span class=\"_ _39f\"> </span></span>Forderungen an Kr<span class=\"_ _9\"></span>editinstitute<span class=\"_ _9e\"> </span><span class=\"wse\">467.715<span class=\"_ _158\"> </span>381.022<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Kreditinstitute 2024<span class=\"_ _9\"></span><span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _22f\"> </span><span class=\"ff2\">29<span class=\"_ _1e3\"> </span>18<span class=\"_ _192\"> </span></span>\u221217<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">30<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>7<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>7<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _12f\"> </span><span class=\"wse\">29<span class=\"_ _14a\"> </span>25<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221217<span class=\"_ _fe\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _6d\"> </span></span><span class=\"wse\">37<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Kreditinstitute 2023<span class=\"_ _9\"></span><span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _22f\"> </span><span class=\"ff2\">20<span class=\"_ _1e3\"> </span>22<span class=\"_ _192\"> </span></span>\u221213<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">29<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _174\"> </span><span class=\"ff2\">10.000<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9d\"> </span>0<span class=\"_ _125\"> </span></span></span>\u221210.000<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _103\"> </span><span class=\"wse\">10.020<span class=\"_ _14a\"> </span>22<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221213<span class=\"_ _12\"> </span>\u221210.000<span class=\"_ _70\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _d3\"> </span>0<span class=\"_ _6d\"> </span></span><span class=\"wse\">29<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-535": {
   "value": "3 Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"fs9 ls16\"> in T<span class=\"_ _9\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _222\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten <span class=\"_ _231\"> </span><span class=\"ff2\">8.585.573<span class=\"_ _112\"> </span>8.382.340<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rpflichtend zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _232\"> </span><span class=\"ff2\">207.986<span class=\"_ _91\"> </span>232.958<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _233\"> </span><span class=\"wse\">8.793.560<span class=\"_ _ea\"> </span>8.615.298<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen K<span class=\"_ _9\"></span>unden 2024<span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">9.452<span class=\"_ _ee\"> </span>21.210<span class=\"_ _f0\"> </span></span>\u221217.700<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">12.962<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">35.660<span class=\"_ _fa\"> </span>29.772<span class=\"_ _ef\"> </span></span>\u221226.219<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">39.213<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _d9\"> </span><span class=\"ff2\">108.932<span class=\"_ _fa\"> </span>95.253<span class=\"_ _ef\"> </span></span>\u221244.795<span class=\"_ _10a\"> </span>\u221215.241<span class=\"_ _6a\"> </span>\u221239<span class=\"_ _127\"> </span><span class=\"ff2\">12.842<span class=\"_ _e1\"> </span>156.952<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _d5\"> </span><span class=\"wse\">154.044<span class=\"_ _c9\"> </span>146.235<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221288.714<span class=\"_ _107\"> </span>\u221215.241<span class=\"_ _fe\"> </span>\u221239<span class=\"_ _8e\"> </span></span>12.842<span class=\"_ _e2\"> </span>209.127<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen K<span class=\"_ _9\"></span>unden 2023<span class=\"ls2\"> </span>(Bestandsdarstellung) in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _234\"> </span><span class=\"ff2\">7.726<span class=\"_ _ee\"> </span>16.464<span class=\"_ _f0\"> </span></span>\u221214.738<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">9.452<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _174\"> </span><span class=\"ff2\">30.804<span class=\"_ _fa\"> </span>25.948<span class=\"_ _ef\"> </span></span>\u221221.092<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">35.660<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _174\"> </span><span class=\"ff2\">93.003<span class=\"_ _fa\"> </span>41.885<span class=\"_ _ef\"> </span></span>\u221213.591<span class=\"_ _10a\"> </span>\u221212.546<span class=\"_ _d3\"> </span><span class=\"ff2\">148<span class=\"_ _93\"> </span>33<span class=\"_ _90\"> </span>108.932<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _d5\"> </span><span class=\"wse\">131.533<span class=\"_ _f0\"> </span>84.297<span class=\"_ _f6\"> </span><span class=\"ff6f9\">\u221249.421<span class=\"_ _b\"> </span>\u221212.546<span class=\"_ _fe\"> </span></span>148<span class=\"_ _92\"> </span>33<span class=\"_ _97\"> </span>154.044<span class=\"_ _39f\"> </span></span>Stufentransf<span class=\"_ _2\"></span>er Kunden 2024 <span class=\"fs9 ls16\">in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _235\"> </span><span class=\"fs6 lsb1 wscb\">Stage<span class=\"_ _2\"></span> 1<span class=\"_ _59\"> </span>Sta<span class=\"_ _2\"></span>ge 2<span class=\"_ _59\"> </span>St<span class=\"_ _2\"></span>age 3<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _1f7\"> </span>\u22121.533<span class=\"_ _fd\"> </span><span class=\"ff2\">1.533<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _22\"> </span>\u221246<span class=\"_ _a2\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _148\"> </span></span><span class=\"ff2\">46<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _1eb\"> </span><span class=\"ff2\">16.067<span class=\"_ _e7\"> </span></span>\u221216.067<span class=\"_ _147\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span></span>\u2212611<span class=\"_ _116\"> </span><span class=\"ff2\">611<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _236\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _116\"> </span></span><span class=\"ff2\">638<span class=\"_ _9d\"> </span></span>\u2212638<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _237\"> </span>14.488<span class=\"_ _12e\"> </span><span class=\"ff6f9\">\u221214.507<span class=\"_ _cc\"> </span></span>19<span class=\"_ _39f\"> </span>Stufentransf<span class=\"_ _2\"></span>er Kunden 2023 <span class=\"fs9 ls16\">in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _235\"> </span><span class=\"fs6 lsb1 wscb\">Stage<span class=\"_ _2\"></span> 1<span class=\"_ _59\"> </span>Sta<span class=\"_ _2\"></span>ge 2<span class=\"_ _59\"> </span>St<span class=\"_ _2\"></span>age 3<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _1f7\"> </span>\u22122.091<span class=\"_ _fd\"> </span><span class=\"ff2\">2.091<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 1 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _22\"> </span>\u221287<span class=\"_ _a2\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _148\"> </span></span><span class=\"ff2\">87<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _1eb\"> </span><span class=\"ff2\">13.457<span class=\"_ _e7\"> </span></span>\u221213.457<span class=\"_ _147\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 2 <span class=\"_ _2\"></span>zu Stufe 3<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _9d\"> </span></span>\u2212118<span class=\"_ _116\"> </span><span class=\"ff2\">118<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 1<span class=\"_ _a5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>ransfe<span class=\"_ _2\"></span>r von Stufe 3 <span class=\"_ _2\"></span>zu Stufe 2 <span class=\"_ _236\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _fd\"> </span></span><span class=\"ff2\">1.217<span class=\"_ _9a\"> </span></span>\u22121.217<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _237\"> </span>11.279<span class=\"_ _12e\"> </span><span class=\"ff6f9\">\u221210.267<span class=\"_ _113\"> </span>\u22121.012<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d Fi<span class=\"_ _2\"></span>nance<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>ase<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e mit <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1.036<span class=\"_ _2\"></span>.499 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 970.737 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _3\"></span>) e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>er en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>eser L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 1.<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>54<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6.1<span class=\"_ _4\"></span>03 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), die <span class=\"_ _2\"></span>dam<span class=\"_ _2\"></span>it ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>reali<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzer<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge b<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>18.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>6<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>5.<span class=\"_ _2\"></span>365 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Rest<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amten <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verm\u00f6<span class=\"_ _2\"></span>gens <span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl im <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im Vorjah<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Zum Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf un<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.6<span class=\"_ _2\"></span>41 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>0.779 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>). F\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2 Mo<span class=\"_ _2\"></span>nate<span class=\"_ _2\"></span>n wu<span class=\"_ _2\"></span>rde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>(Stuf<span class=\"_ _2\"></span>e 1<span class=\"_ _4\"></span>) in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 9<span class=\"_ _2\"></span>89 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1.08<span class=\"_ _2\"></span>6 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i Ku<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amte <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>uf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zeit w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e (Stuf<span class=\"_ _2\"></span>e 2) i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.453 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.62<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"lse\">a Restlaufzeitengliederung 2024 Finance-L<span class=\"_ _9\"></span>ease-Forderungen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _15b\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">292.699<span class=\"_ _8f\"> </span>710.547<span class=\"_ _8f\"> </span>151.419<span class=\"_ _21\"> </span>1.154.665<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">37.111<span class=\"_ _df\"> </span>67.521<span class=\"_ _df\"> </span>13.534<span class=\"_ _8f\"> </span>118.166<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">255.588<span class=\"_ _8f\"> </span>643.026<span class=\"_ _8f\"> </span>137.885<span class=\"_ _21\"> </span>1.036.499<span class=\"_ _39f\"> </span></span>Restlaufzeiten<span class=\"_ _9\"></span>gliederung 2023 Finance-Lease-Forderung<span class=\"_ _9\"></span>en<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _189\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">265.232<span class=\"_ _8f\"> </span>656.886<span class=\"_ _8f\"> </span>163.985<span class=\"_ _21\"> </span>1.086.103<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">34.233<span class=\"_ _df\"> </span>66.467<span class=\"_ _df\"> </span>14.665<span class=\"_ _8f\"> </span>115.365<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">230.999<span class=\"_ _8f\"> </span>590.419<span class=\"_ _8f\"> </span>149.320<span class=\"_ _8f\"> </span>970.737<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-589": {
   "value": "In d<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d Fi<span class=\"_ _2\"></span>nance<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>ase<span class=\"_ _2\"></span>-V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e mit <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em N<span class=\"_ _2\"></span>et<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1.036<span class=\"_ _2\"></span>.499 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 970.737 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _3\"></span>) e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>er en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Br<span class=\"_ _2\"></span>ut<span class=\"_ _3\"></span>toinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>eser L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 1.<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>54<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.0<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6.1<span class=\"_ _4\"></span>03 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>), die <span class=\"_ _2\"></span>dam<span class=\"_ _2\"></span>it ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en ni<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>reali<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzer<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge b<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>1<span class=\"_ _10\"></span>18.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>6<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>5.<span class=\"_ _2\"></span>365 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Rest<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amten <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _3\"></span>verm\u00f6<span class=\"_ _2\"></span>gens <span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owohl im <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr als <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h im Vorjah<span class=\"_ _2\"></span>r g<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Zum Bi<span class=\"_ _2\"></span>lanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf un<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.6<span class=\"_ _2\"></span>41 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>0.779 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>). F\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>\u00e4chs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2 Mo<span class=\"_ _2\"></span>nate<span class=\"_ _2\"></span>n wu<span class=\"_ _2\"></span>rde e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge <span class=\"_ _2\"></span>(Stuf<span class=\"_ _2\"></span>e 1<span class=\"_ _4\"></span>) in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 9<span class=\"_ _2\"></span>89 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1.08<span class=\"_ _2\"></span>6 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i Ku<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amte <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sla<span class=\"_ _2\"></span>uf<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zeit w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e (Stuf<span class=\"_ _2\"></span>e 2) i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.453 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.62<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ilde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"lse\">a Restlaufzeitengliederung 2024 Finance-L<span class=\"_ _9\"></span>ease-Forderungen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _15b\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">292.699<span class=\"_ _8f\"> </span>710.547<span class=\"_ _8f\"> </span>151.419<span class=\"_ _21\"> </span>1.154.665<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">37.111<span class=\"_ _df\"> </span>67.521<span class=\"_ _df\"> </span>13.534<span class=\"_ _8f\"> </span>118.166<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">255.588<span class=\"_ _8f\"> </span>643.026<span class=\"_ _8f\"> </span>137.885<span class=\"_ _21\"> </span>1.036.499<span class=\"_ _39f\"> </span></span>Restlaufzeiten<span class=\"_ _9\"></span>gliederung 2023 Finance-Lease-Forderung<span class=\"_ _9\"></span>en<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _189\"> </span><span class=\"fs6 lse\">&lt; 1 Jahr<span class=\"_ _5d\"> </span><span class=\"ff6f9 wse\">1 <span class=\"_ _0\"></span>\u2212 <span class=\"_ _0\"></span>5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f2\"> </span><span class=\"ff5 ws1\">&gt; 5 Jahre<span class=\"_ _e3\"> </span><span class=\"wse\">Gesamt<span class=\"_ _39f\"> </span></span></span></span></span></span></span>Bruttoinvestitionswerte<span class=\"_ _238\"> </span><span class=\"ff2\">265.232<span class=\"_ _8f\"> </span>656.886<span class=\"_ _8f\"> </span>163.985<span class=\"_ _21\"> </span>1.086.103<span class=\"_ _39f\"> </span></span>Nicht realisier<span class=\"_ _2\"></span>te Fin<span class=\"_ _2\"></span>anzertr\u00e4ge<span class=\"_ _170\"> </span><span class=\"ff2\">34.233<span class=\"_ _df\"> </span>66.467<span class=\"_ _df\"> </span>14.665<span class=\"_ _8f\"> </span>115.365<span class=\"_ _39f\"> </span></span>Nettoinvestitionswerte<span class=\"_ _22d\"> </span><span class=\"ff2\">230.999<span class=\"_ _8f\"> </span>590.419<span class=\"_ _8f\"> </span>149.320<span class=\"_ _8f\"> </span>970.737<span class=\"_ _39f\"> </span></span>8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>hr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _89\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"_ _b1\"> </span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>8b <span class=\"_ _2\"></span><span class=\"lse wse\">Sachanlagen</span> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _1fd\"> </span><span class=\"ff2\">243.025<span class=\"_ _91\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _273\"> </span><span class=\"ff2\">23.739<span class=\"_ _13c\"> </span>22.577<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _274\"> </span><span class=\"ff2\">135.231<span class=\"_ _91\"> </span>135.699<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _273\"> </span><span class=\"ff2\">19.461<span class=\"_ _13c\"> </span>20.390<span class=\"_ _39f\"> </span></span>Sachanlagen<span class=\"_ _26f\"> </span>378.256<span class=\"_ _12e\"> </span>376.312<span class=\"_ _39f\"> </span>8c <span class=\"_ _2\"></span><span class=\"lse\">Als Finanzinv<span class=\"_ _4\"></span>estitione<span class=\"_ _2\"></span>n gehaltene Immobilien<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _275\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _212\"> </span><span class=\"ff2\">58.064<span class=\"_ _10d\"> </span>58.790<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _162\"> </span><span class=\"ff2\">4.226<span class=\"_ _11c\"> </span>4.466<span class=\"_ _39f\"> </span></span>Als Finanzinv<span class=\"_ _4\"></span>estitione<span class=\"_ _2\"></span>n gehaltene Immobilien<span class=\"_ _276\"> </span><span class=\"wse\">58.064<span class=\"_ _113\"> </span>58.790<span class=\"_ _39f\"> </span></span>Die <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ease<span class=\"_ _2\"></span>-Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trug<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 571 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>8d <span class=\"_ _2\"></span><span class=\"lse wse\">Restlaufzeiten<span class=\"_ _9\"></span>gliederung</span><span class=\"lse wse\"> </span>Operate-Lease-V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _250\"> </span><span class=\"fs6 lse\">&lt; 1 J<span class=\"_ _2\"></span>ahr<span class=\"_ _f0\"> </span><span class=\"wsd2\">1 \u2013 5 <span class=\"_ _1\"> </span>J ahre<span class=\"_ _1d\"> </span></span>&gt; 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _1e2\"> </span><span class=\"wse\">Ges<span class=\"_ _2\"></span>amt<span class=\"_ _39f\"> </span></span></span>K\u00fcnf<span class=\"_ _2\"></span>tige Mindestleasingzahlungen<span class=\"_ _277\"> </span><span class=\"ff2\">562<span class=\"_ _145\"> </span>13.116<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>13.677<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>er Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ls F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>ne I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien\u201c sind <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ease<span class=\"_ _3\"></span>-V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1<span class=\"_ _4\"></span>3.<span class=\"_ _2\"></span>677 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>3.<span class=\"_ _3\"></span>352 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>567 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 2<span class=\"_ _2\"></span>0.755 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>F\u00fcr b<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>te M<span class=\"_ _2\"></span>iet<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>jahr <span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e vereinnahmt<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>ie Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Zug<span class=\"_ _2\"></span>\u00e4nge <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngsr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h K<span class=\"_ _2\"></span>lasse<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de liegend<span class=\"_ _9\"></span>er V<span class=\"_ _4\"></span>erm\u00f6genswerte dar<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>8<span class=\"lse\">e Nutzungsrechte gem. IFRS 16</span> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>Buchwert 01.01.2024<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/<span class=\"ls2 ws1\"> </span>Umgliederungen<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Nutzungsrecht<span class=\"_ _6\"> </span>Abschreibung<span class=\"_ _39f\"> </span>Buchwert 31.12.2024<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _260\"> </span><span class=\"ff2\">22.577<span class=\"_ _130\"> </span>609<span class=\"_ _102\"> </span>4.447<span class=\"_ _1cc\"> </span></span>\u22123.895<span class=\"_ _10d\"> </span><span class=\"ff2\">23.739<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _278\"> </span><span class=\"ff2\">20.390<span class=\"_ _130\"> </span>905<span class=\"_ _16e\"> </span></span>\u221215<span class=\"_ _1cc\"> </span>\u22121.819<span class=\"_ _10d\"> </span><span class=\"ff2\">19.461<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _27\"> </span><span class=\"ff2\">4.466<span class=\"_ _187\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _27\"> </span></span>292<span class=\"_ _9d\"> </span></span>\u2212532<span class=\"_ _fd\"> </span><span class=\"ff2\">4.226<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _160\"> </span>47.433<span class=\"_ _104\"> </span>1.514<span class=\"_ _de\"> </span>4.724<span class=\"_ _113\"> </span><span class=\"ff6f9\">\u22126.246<span class=\"_ _113\"> </span></span>47.426<span class=\"_ _39f\"> </span>Nutzungsrechte gem. IFRS 16<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>Buchwert 01.01.2023<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/<span class=\"ls2 ws1\"> </span>Umgliederungen<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Nutzungsrecht<span class=\"_ _6\"> </span>Abschreibung<span class=\"_ _39f\"> </span>Buchwert 31.12.2023<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _bf\"> </span><span class=\"ff2\">20.989<span class=\"_ _16e\"> </span>4.717<span class=\"_ _104\"> </span>851<span class=\"_ _9a\"> </span></span>\u22123.980<span class=\"_ _10d\"> </span><span class=\"ff2\">22.577<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _123\"> </span><span class=\"ff2\">890<span class=\"_ _88\"> </span>21.172<span class=\"_ _a8\"> </span></span>\u221242<span class=\"_ _9a\"> </span>\u22121.629<span class=\"_ _13c\"> </span><span class=\"ff2\">20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _16e\"> </span><span class=\"ff2\">4.582<span class=\"_ _130\"> </span></span>\u221225<span class=\"_ _104\"> </span><span class=\"ff2\">411<span class=\"_ _9d\"> </span></span>\u2212502<span class=\"_ _fd\"> </span><span class=\"ff2\">4.466<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1c9\"> </span>26.461<span class=\"_ _72\"> </span>25.864<span class=\"_ _118\"> </span>1.220<span class=\"_ _113\"> </span><span class=\"ff6f9\">\u22126.111<span class=\"_ _113\"> </span></span>47.433<span class=\"_ _39f\"> </span>Die a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>hte s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>May<span class=\"_ _2\"></span>rhof<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gba<span class=\"_ _2\"></span>hnen <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t sowie <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H vor <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>m f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n Zweck d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung und <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs <span class=\"_ _2\"></span>von Li<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Seil<span class=\"_ _2\"></span>bahne<span class=\"_ _2\"></span>n sowie <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>enu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung al<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>spor<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>l\u00e4n<span class=\"_ _2\"></span>de au<span class=\"_ _2\"></span>f f<span class=\"_ _2\"></span>rem<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chlos<span class=\"_ _2\"></span>sen w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rec<span class=\"_ _2\"></span>hte re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>aus L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>iete <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Par<span class=\"_ _2\"></span>kpl<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h ein <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rnun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zum I<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>t hab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>13 Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _33\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _288\"> </span><span class=\"ff2\">1.347.637<span class=\"_ _112\"> </span>1.208.097<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _289\"> </span><span class=\"ff2\">1.130.467<span class=\"_ _112\"> </span>1.024.380<span class=\"_ _39f\"> </span></span>Kassenobligationen<span class=\"_ _28a\"> </span><span class=\"ff2 lse wse\">107<span class=\"_ _116\"> </span>107<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">217.063<span class=\"_ _91\"> </span>183.610<span class=\"_ _39f\"> </span></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _1fa\"> </span><span class=\"ff2\">353.898<span class=\"_ _91\"> </span>415.157<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _28c\"> </span><span class=\"ff2\">248.480<span class=\"_ _91\"> </span>276.480<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">105.418<span class=\"_ _91\"> </span>138.677<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>Derivaten<span class=\"_ _28d\"> </span><span class=\"ff2\">28.562<span class=\"_ _13c\"> </span>30.981<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _28e\"> </span><span class=\"ff2\">3.052<span class=\"_ _fd\"> </span>3.700<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / <span class=\"_ _2\"></span>Optionen<span class=\"_ _222\"> </span><span class=\"ff2\">25.511<span class=\"_ _13c\"> </span>27.281<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Leasing<span class=\"_ _2\"></span>verh\u00e4ltnissen gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _a1\"> </span><span class=\"ff2\">49.505<span class=\"_ _13c\"> </span>48.618<span class=\"_ _39f\"> </span></span>Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _195\"> </span><span class=\"wse\">1.779.602<span class=\"_ _ea\"> </span>1.702.853<span class=\"_ _39f\"> </span></span>13a Leasingverbindlichkeit<span class=\"_ _9\"></span>en gem. IFR<span class=\"_ _2\"></span>S 16 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert 01.01.2024<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/ Umgliede- runge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Leasingver-<span class=\"_ _39f\"> </span>bindlichk<span class=\"_ _9\"></span>eit<span class=\"_ _f\"> </span><span class=\"lse wse\">Tilgung<span class=\"_ _f2\"> </span>Zinsen<span class=\"_ _39f\"> </span></span>Fremd-<span class=\"_ _39f\"> </span>w\u00e4hrung<span class=\"_ _39f\"> </span>Buchwert 31.12.2024<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _17b\"> </span><span class=\"ff2\">22.894<span class=\"_ _116\"> </span>609<span class=\"_ _145\"> </span>4.447<span class=\"_ _10a\"> </span></span>\u22124.107<span class=\"_ _12e\"> </span><span class=\"ff2\">224<span class=\"_ _122\"> </span>14<span class=\"_ _112\"> </span>24.081<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _23\"> </span><span class=\"ff2\">21.157<span class=\"_ _89\"> </span>905<span class=\"_ _92\"> </span></span>\u221215<span class=\"_ _10a\"> </span>\u22122.759<span class=\"_ _127\"> </span><span class=\"ff2\">1.792<span class=\"_ _6b\"> </span><span class=\"ls2 ws1\">5<span class=\"_ _df\"> </span></span>21.085<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobilien<span class=\"_ _94\"> </span><span class=\"ff2\">4.567<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _93\"> </span></span>292<span class=\"_ _127\"> </span></span>\u2212570<span class=\"_ _192\"> </span><span class=\"ff2\">49<span class=\"_ _6b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1ce\"> </span></span>4.339<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _28f\"> </span>48.618<span class=\"_ _57\"> </span>1.514<span class=\"_ _12e\"> </span>4.724<span class=\"_ _12\"> </span><span class=\"ff6f9\">\u22127.436<span class=\"_ _1d\"> </span></span>2.065<span class=\"_ _114\"> </span>19<span class=\"_ _127\"> </span>49.505<span class=\"_ _39f\"> </span>Leasingverbindlichkeit<span class=\"_ _9\"></span>en gem. IFR<span class=\"_ _2\"></span>S 16 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert 01.01.2023<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/ Umgliede- runge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Leasingver-<span class=\"_ _39f\"> </span>bindlichk<span class=\"_ _9\"></span>eit<span class=\"_ _f\"> </span><span class=\"lse wse\">Tilgung<span class=\"_ _f2\"> </span>Zinsen<span class=\"_ _39f\"> </span></span>Fremd-<span class=\"_ _39f\"> </span>w\u00e4hrung<span class=\"_ _39f\"> </span>Buchwert 31.12.2023<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _17b\"> </span><span class=\"ff2\">21.350<span class=\"_ _fd\"> </span>4.717<span class=\"_ _1ca\"> </span>851<span class=\"_ _10a\"> </span></span>\u22124.177<span class=\"_ _12e\"> </span><span class=\"ff2\">242<span class=\"_ _13d\"> </span></span>\u221290<span class=\"_ _112\"> </span><span class=\"ff2\">22.894<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _4b\"> </span><span class=\"ff2\">890<span class=\"_ _9a\"> </span>22.174<span class=\"_ _92\"> </span></span>\u221242<span class=\"_ _10a\"> </span>\u22122.376<span class=\"_ _12e\"> </span><span class=\"ff2\">527<span class=\"_ _158\"> </span></span>\u221216<span class=\"_ _112\"> </span><span class=\"ff2\">21.157<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobilien<span class=\"_ _94\"> </span><span class=\"ff2\">4.668<span class=\"_ _89\"> </span></span>\u221225<span class=\"_ _1ca\"> </span><span class=\"ff2\">411<span class=\"_ _127\"> </span></span>\u2212536<span class=\"_ _192\"> </span><span class=\"ff2\">48<span class=\"_ _6b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1ce\"> </span></span>4.567<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _28f\"> </span>26.908<span class=\"_ _113\"> </span>26.866<span class=\"_ _12e\"> </span>1.220<span class=\"_ _12\"> </span><span class=\"ff6f9\">\u22127.089<span class=\"_ _144\"> </span></span>817<span class=\"_ _127\"> </span><span class=\"ff6f9\">\u2212106<span class=\"_ _127\"> </span></span>48.618<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ma<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>vom Wahlrec<span class=\"_ _2\"></span>ht G<span class=\"_ _2\"></span>ebr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>h\u00e4lt<span class=\"_ _2\"></span>nisse <span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it von <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>2 Mo<span class=\"_ _2\"></span>nate<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie ger<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>isse m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>uwer<span class=\"_ _3\"></span>t von u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>5 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>bilanz<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tdesse<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us diese<span class=\"_ _2\"></span>n Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>dsw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>am li<span class=\"_ _2\"></span>nea<span class=\"_ _2\"></span>r \u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>isses <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>n. Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r ku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e sowi<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr ge<span class=\"_ _2\"></span>ring<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>tige L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tniss<span class=\"_ _2\"></span>e im Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>2024 dar<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Leasingaufwand <span class=\"fs9 ls16 ws1\">in T<span class=\"_ _9\"></span>sd. \u20ac</span><span class=\"fs9 ls16 ws1\"><span class=\"_ _290\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _fd\"> </span>2023<span class=\"_ _39f\"> </span></span></span>Kurzfris<span class=\"_ _2\"></span>tige Leasingverh\u00e4ltnisse<span class=\"_ _280\"> </span>\u2212728<span class=\"_ _9d\"> </span>\u2212648<span class=\"_ _39f\"> </span>Geringwer<span class=\"_ _2\"></span>tige Leasingverh\u00e4ltnisse<span class=\"_ _1c3\"> </span>\u22122<span class=\"_ _148\"> </span>\u22123<span class=\"_ _39f\"> </span>Leasingaufwand gesamt<span class=\"_ _23c\"> </span><span class=\"ff6f9 wse\">\u2212730<span class=\"_ _11c\"> </span>\u2212651<span class=\"_ _39f\"> </span></span>Insge<span class=\"_ _2\"></span>samt <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trug<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>smi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>abfl<span class=\"_ _2\"></span>\u00fcsse a<span class=\"_ _2\"></span>us Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>gen i<span class=\"_ _2\"></span>m G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wie fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Zahlungsmittelabfl\u00fcsse <span class=\"ff5 fs9 ls16 ws1\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"ff5 fs9 ls16 ws1\"><span class=\"_ _291\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _3f\"> </span>2023<span class=\"_ _39f\"> </span></span></span>Feste und var<span class=\"_ _2\"></span>iable Zahlungen<span class=\"_ _2\"></span>, die an <span class=\"_ _2\"></span>einen Index gekoppelt <span class=\"_ _2\"></span>sind<span class=\"_ _39f\"> </span>f\u00fcr kur<span class=\"_ _2\"></span>zfristige un<span class=\"_ _2\"></span>d geringwer<span class=\"_ _2\"></span>tige Leasingverh\u00e4ltnisse<span class=\"_ _1d3\"> </span>\u2212730<span class=\"_ _183\"> </span>\u2212651<span class=\"_ _39f\"> </span>f\u00fcr Leasing<span class=\"_ _2\"></span>verh\u00e4ltnisse mit einer <span class=\"_ _2\"></span>Laufzeit von \u00fcber 12 <span class=\"_ _2\"></span>Monaten<span class=\"_ _1ec\"> </span>\u22127.436<span class=\"_ _57\"> </span>\u22127.089<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>ariable Zahlungen<span class=\"_ _2\"></span>, die nicht <span class=\"_ _2\"></span>an einen <span class=\"_ _2\"></span>Index gekoppelt sind<span class=\"_ _39f\"> </span>f\u00fcr Leasing<span class=\"_ _2\"></span>verh\u00e4ltnisse mit einer <span class=\"_ _2\"></span>Laufzeit von \u00fcber 12 <span class=\"_ _2\"></span>Monaten<span class=\"_ _1ec\"> </span>\u22122.525<span class=\"_ _183\"> </span>\u2212548<span class=\"_ _39f\"> </span>Zahlungsmittelabfl\u00fcsse gesamt<span class=\"_ _1db\"> </span>\u221210.691<span class=\"_ _10d\"> </span>\u22128.288<span class=\"_ _39f\"> </span>Variable <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die ni<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>ex od<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z ge<span class=\"_ _2\"></span>kopp<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bindli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ie von <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta <span class=\"_ _2\"></span>Mont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H mi<span class=\"_ _2\"></span>t Gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>eige<span class=\"_ _2\"></span>nt\u00fcme<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb <span class=\"_ _2\"></span>von L<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>enu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung al<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>spo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>el\u00e4n<span class=\"_ _2\"></span>de a<span class=\"_ _2\"></span>uf f<span class=\"_ _2\"></span>rem<span class=\"_ _2\"></span>dem Gr<span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>bgesc<span class=\"_ _2\"></span>hloss<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t abh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>vom U<span class=\"_ _2\"></span>msat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>r von <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta <span class=\"_ _2\"></span>Mont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n Hol<span class=\"_ _2\"></span>ding G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>t\u00fc<span class=\"_ _2\"></span>cken <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>t\u00fcme<span class=\"_ _2\"></span>r er<span class=\"_ _3\"></span>wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se v<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>able<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr 2024 einen <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>eil von <span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd 2<span class=\"_ _2\"></span>3,<span class=\"_ _2\"></span>6 % (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>8 %<span class=\"_ _2\"></span>) an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en (fe<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>var<span class=\"_ _2\"></span>iabl<span class=\"_ _2\"></span>e Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) an d<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nen Leasin<span class=\"_ _9\"></span>ggeber<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t mit <span class=\"_ _2\"></span>einig<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>die Wer<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>digke<span class=\"_ _2\"></span>it von <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>einba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Le<span class=\"_ _2\"></span>asing<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zahl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>bh\u00e4ng<span class=\"_ _2\"></span>ig vom <span class=\"_ _2\"></span>verei<span class=\"_ _2\"></span>nbar<span class=\"_ _3\"></span>ten I<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>x, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>exr<span class=\"_ _2\"></span>eihe <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zugsg<span class=\"_ _2\"></span>r\u00f6\u00df<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>jahr <span class=\"_ _2\"></span>2024 er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung von <span class=\"_ _2\"></span>Ind<span class=\"_ _2\"></span>izes A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>bindli<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keite<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Folg<span class=\"_ _2\"></span>e hat<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sn<span class=\"_ _2\"></span>eutr<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang b<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f das <span class=\"_ _2\"></span>Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zungs<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht und di<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>t in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Di<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nz z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m f<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>dem revidi<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>ten Barwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>\u00e4mt<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Verl\u00e4nge<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>K\u00fcnd<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sop<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>es hinre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd s<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Verl\u00e4nge<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sop<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>in A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>h bz<span class=\"_ _2\"></span>w. eine <span class=\"_ _2\"></span>K\u00fcnd<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sop<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>in A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird, finde<span class=\"_ _2\"></span>t die<span class=\"_ _2\"></span>se Ein<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung Ei<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ng in d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlichk<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>ach d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nzs<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tag er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sind n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Leasi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Insge<span class=\"_ _2\"></span>samt <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Anp<span class=\"_ _2\"></span>assunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>\u00fcndig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>im Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>2024 zu ei<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>tieg <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hts <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. der L<span class=\"_ _2\"></span>easing<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 4<span class=\"_ _2\"></span>.724 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.<span class=\"_ _2\"></span>220 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>2024 sowie <span class=\"_ _2\"></span>im vor<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ngene<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tsj<span class=\"_ _2\"></span>ahr ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Sale<span class=\"_ _3\"></span>-an<span class=\"_ _2\"></span>d-<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ase<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>ba<span class=\"_ _2\"></span>ck-<span class=\"_ _9\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nsak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en stat<span class=\"_ _2\"></span>t",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-590": {
   "value": "4 Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"fs9 ls16\"> in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _232\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Schuldtitel, zu <span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _2\"></span>tet<span class=\"_ _35\"> </span><span class=\"ff2\">923.953<span class=\"_ _106\"> </span>845.842<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(FVOCI) bewertet<span class=\"_ _83\"> </span><span class=\"ff2\">274.115<span class=\"_ _91\"> </span>245.921<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _239\"> </span><span class=\"ff2\">19.957<span class=\"_ _13c\"> </span>17.241<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten\u201c<span class=\"_ _23a\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten <span class=\"_ _2\"></span>und Verkaufen\u201c<span class=\"_ _141\"> </span><span class=\"ff2\">19.957<span class=\"_ _9a\"> </span>17.241<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden <span class=\"_ _2\"></span>Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _16d\"> </span><span class=\"ff2\">129.928<span class=\"_ _91\"> </span>140.867<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">4<span class=\"_ _13c\"> </span></span><span class=\"ff2\">11.121<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _23c\"> </span><span class=\"ff2\">126.938<span class=\"_ _91\"> </span>119.681<span class=\"_ _39f\"> </span></span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _23d\"> </span><span class=\"ff2\">2.986<span class=\"_ _13c\"> </span>10.065<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVTPL) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _23e\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _1b0\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus Deriv<span class=\"_ _2\"></span>aten<span class=\"_ _1bb\"> </span><span class=\"ff2\">47.016<span class=\"_ _13c\"> </span>54.890<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _23f\"> </span><span class=\"ff2\">16.405<span class=\"_ _13c\"> </span>24.031<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / Optionen<span class=\"_ _21b\"> </span><span class=\"ff2\">30.611<span class=\"_ _10d\"> </span>30.859<span class=\"_ _39f\"> </span></span>Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _240\"> </span><span class=\"wse\">1.429.516<span class=\"_ _ea\"> </span>1.341.841<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Sonstiges Finan<span class=\"_ _9\"></span>zver<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>m\u00f6gen 2024 (Bestandsdarstellung) <span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2024<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _136\"> </span><span class=\"ff2\">289<span class=\"_ _f4\"> </span>106<span class=\"_ _158\"> </span></span>\u2212143<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">252<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _22f\"> </span><span class=\"ff2\">27<span class=\"_ _f4\"> </span>710<span class=\"_ _94\"> </span></span>\u221224<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">714<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _a2\"> </span><span class=\"wse\">316<span class=\"_ _f5\"> </span>816<span class=\"_ _138\"> </span><span class=\"ff6f9\">\u2212167<span class=\"_ _fe\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"wse\">966<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen Sonstiges Finan<span class=\"_ _9\"></span>zver<span class=\"ls2\">-<span class=\"_ _39f\"> </span></span>m\u00f6gen 2023 (Bestandsdarstellung)<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _39f\"> </span>Zu-<span class=\"_ _39f\"> </span>f\u00fchrung<span class=\"_ _39f\"> </span>Auf<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>l\u00f6sung<span class=\"_ _39f\"> </span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>brau<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrech-<span class=\"_ _39f\"> </span>nung<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>31.12.2023<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 1<span class=\"_ _136\"> </span><span class=\"ff2\">263<span class=\"_ _f4\"> </span>117<span class=\"_ _192\"> </span></span>\u221291<span class=\"_ _fd\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"ff2\">289<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 2<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e3\"> </span></span><span class=\"ff2\">30<span class=\"_ _1ca\"> </span></span>\u22123<span class=\"_ _11c\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _de\"> </span></span><span class=\"ff2\">27<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigungen Stufe 3<span class=\"_ _230\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _11c\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _9d\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _a2\"> </span><span class=\"wse\">263<span class=\"_ _f5\"> </span>147<span class=\"_ _59\"> </span><span class=\"ff6f9\">\u221294<span class=\"_ _fd\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _70\"> </span>0<span class=\"_ _d3\"> </span>0<span class=\"_ _fd\"> </span></span><span class=\"wse\">316<span class=\"_ _39f\"> </span></span>Die BT<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>hat finanzielle <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten als er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewertet <span class=\"_ _2\"></span>designier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Der k<span class=\"_ _2\"></span>umulative Betrag de<span class=\"_ _2\"></span>r \u00c4nder<span class=\"_ _2\"></span>ungen des beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tes, de<span class=\"_ _2\"></span>r auf <span class=\"_ _2\"></span>\u00c4nderungen des <span class=\"_ _2\"></span>Kreditrisikos dieser finanzielle<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erbindlichkeiten zur\u00fcckzuf\u00fchren is<span class=\"_ _2\"></span>t, <span class=\"_ _2\"></span>betr\u00e4g<span class=\"_ _2\"></span>t \u22123.813 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _2\"></span>(V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rjahr: <span class=\"_ _2\"></span>\u22122.606 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac). Die <span class=\"_ _2\"></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>derung wurde <span class=\"_ _2\"></span>im sonstigen Er<span class=\"_ _2\"></span>gebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst<span class=\"_ _2\"></span>. Die \u00c4nderung d<span class=\"_ _2\"></span>es beizulegenden Zeitwer<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>aufgrun<span class=\"_ _2\"></span>d von \u00c4nder<span class=\"_ _2\"></span>ungen des Ausf<span class=\"_ _2\"></span>allrisikos bestimmt sich <span class=\"_ _2\"></span>aus dem <span class=\"_ _2\"></span>Unterschiedsbetrag zwischen der <span class=\"_ _2\"></span>Gesamt\u00e4nderung d<span class=\"_ _2\"></span>es beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ts der fin<span class=\"_ _2\"></span>anziellen V<span class=\"_ _9\"></span>erbindlichkeiten und der <span class=\"_ _2\"></span>\u00c4nderung <span class=\"_ _2\"></span>des beizule<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>genden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ts aufgr<span class=\"_ _2\"></span>und von Marktrisikofaktoren<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r beizulegende Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurde durch Diskontierung <span class=\"_ _2\"></span>k\u00fcnf<span class=\"_ _2\"></span>tiger Zahlungs<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str\u00f6me zum Abschlussstichtag bestimmt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der Ausf<span class=\"_ _2\"></span>allrisikozuschlag wurde auf Basis <span class=\"_ _2\"></span>des Fundings f<span class=\"_ _2\"></span>\u00fcr vergleichbare F\u00e4lligkeiten gesch\u00e4tzt.<span class=\"_ _39f\"> </span>Der R\u00fcckzahlungsbetr<span class=\"_ _2\"></span>ag f\u00fcr <span class=\"_ _2\"></span>die finanziellen Verbindlichkeiten inklusive Zinsabgrenzung, <span class=\"_ _2\"></span>f\u00fcr die <span class=\"_ _2\"></span>die Fair-Value-Option ausge\u00fcbt<span class=\"_ _9\"></span> wurde, betr\u00e4g<span class=\"_ _3\"></span>t 341.869 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Vorjahr: 415.713 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac). De<span class=\"_ _2\"></span>r Unterschiedsbetrag <span class=\"_ _2\"></span>zwischen dem <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"ff2 ls2 ws1\"> </span>finanziellen V<span class=\"_ _9\"></span>erbindlichkeiten, f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>die Fair-Value-Option ausge\u00fcbt wurde, und <span class=\"_ _2\"></span>deren R\u00fcckzahlungsbetr<span class=\"_ _2\"></span>ag bel\u00e4uf<span class=\"_ _3\"></span>t sich au<span class=\"_ _2\"></span>f \u221212.029 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (V<span class=\"_ _9\"></span>orjahr: <span class=\"_ _2\"></span>555 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac).<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-607": {
   "value": "4 Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"fs9 ls16\"> in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _232\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Schuldtitel, zu <span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _2\"></span>tet<span class=\"_ _35\"> </span><span class=\"ff2\">923.953<span class=\"_ _106\"> </span>845.842<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(FVOCI) bewertet<span class=\"_ _83\"> </span><span class=\"ff2\">274.115<span class=\"_ _91\"> </span>245.921<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _239\"> </span><span class=\"ff2\">19.957<span class=\"_ _13c\"> </span>17.241<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten\u201c<span class=\"_ _23a\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell \u201eHalten <span class=\"_ _2\"></span>und Verkaufen\u201c<span class=\"_ _141\"> </span><span class=\"ff2\">19.957<span class=\"_ _9a\"> </span>17.241<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden <span class=\"_ _2\"></span>Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _16d\"> </span><span class=\"ff2\">129.928<span class=\"_ _91\"> </span>140.867<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">4<span class=\"_ _13c\"> </span></span><span class=\"ff2\">11.121<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _23c\"> </span><span class=\"ff2\">126.938<span class=\"_ _91\"> </span>119.681<span class=\"_ _39f\"> </span></span>Sonstige verbundene <span class=\"_ _2\"></span>Unternehmen<span class=\"_ _23d\"> </span><span class=\"ff2\">2.986<span class=\"_ _13c\"> </span>10.065<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVTPL) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _23e\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiere<span class=\"_ _23b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstige Beteiligungen<span class=\"_ _1b0\"> </span><span class=\"ff2\">34.547<span class=\"_ _13c\"> </span>37.080<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus Deriv<span class=\"_ _2\"></span>aten<span class=\"_ _1bb\"> </span><span class=\"ff2\">47.016<span class=\"_ _13c\"> </span>54.890<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _23f\"> </span><span class=\"ff2\">16.405<span class=\"_ _13c\"> </span>24.031<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / Optionen<span class=\"_ _21b\"> </span><span class=\"ff2\">30.611<span class=\"_ _10d\"> </span>30.859<span class=\"_ _39f\"> </span></span>Sonstiges Finanzv<span class=\"_ _9\"></span>erm\u00f6gen<span class=\"_ _240\"> </span><span class=\"wse\">1.429.516<span class=\"_ _ea\"> </span>1.341.841<span class=\"_ _39f\"> </span></span>7 Handelsaktiva <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Fonds<span class=\"_ _269\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _13c\"> </span>20.673<span class=\"_ _39f\"> </span></span>B\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26a\"> </span><span class=\"ff2\">5.229<span class=\"_ _fd\"> </span>2.834<span class=\"_ _39f\"> </span></span>Nicht b\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">29.216<span class=\"_ _13c\"> </span>17.839<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Finanzgesch\u00e4ften<span class=\"_ _26c\"> </span><span class=\"ff2\">32.712<span class=\"_ _13c\"> </span>18.604<span class=\"_ _39f\"> </span></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _26d\"> </span><span class=\"ff2\">15.268<span class=\"_ _fd\"> </span>5.724<span class=\"_ _39f\"> </span></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26e\"> </span><span class=\"ff2\">17.361<span class=\"_ _13c\"> </span>12.787<span class=\"_ _39f\"> </span></span>Sonstige Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26f\"> </span><span class=\"ff2\">83<span class=\"_ _148\"> </span>93<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _1c0\"> </span>67.157<span class=\"_ _12c\"> </span>39.277<span class=\"_ _39f\"> </span>13 Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _33\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _288\"> </span><span class=\"ff2\">1.347.637<span class=\"_ _112\"> </span>1.208.097<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _289\"> </span><span class=\"ff2\">1.130.467<span class=\"_ _112\"> </span>1.024.380<span class=\"_ _39f\"> </span></span>Kassenobligationen<span class=\"_ _28a\"> </span><span class=\"ff2 lse wse\">107<span class=\"_ _116\"> </span>107<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">217.063<span class=\"_ _91\"> </span>183.610<span class=\"_ _39f\"> </span></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _1fa\"> </span><span class=\"ff2\">353.898<span class=\"_ _91\"> </span>415.157<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _28c\"> </span><span class=\"ff2\">248.480<span class=\"_ _91\"> </span>276.480<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">105.418<span class=\"_ _91\"> </span>138.677<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>Derivaten<span class=\"_ _28d\"> </span><span class=\"ff2\">28.562<span class=\"_ _13c\"> </span>30.981<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _28e\"> </span><span class=\"ff2\">3.052<span class=\"_ _fd\"> </span>3.700<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / <span class=\"_ _2\"></span>Optionen<span class=\"_ _222\"> </span><span class=\"ff2\">25.511<span class=\"_ _13c\"> </span>27.281<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Leasing<span class=\"_ _2\"></span>verh\u00e4ltnissen gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _a1\"> </span><span class=\"ff2\">49.505<span class=\"_ _13c\"> </span>48.618<span class=\"_ _39f\"> </span></span>Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _195\"> </span><span class=\"wse\">1.779.602<span class=\"_ _ea\"> </span>1.702.853<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewickelter derivativer Finanzprodukte pe<span class=\"_ _2\"></span>r 31.12.2024:<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2be\"> </span><span class=\"fs6 lse wse\">K<span class=\"_ _4\"></span>ontraktvolumen/Restlaufzeiten<span class=\"_ _342\"> </span>Marktwerte<span class=\"_ _39f\"> </span></span>positiv<span class=\"_ _108\"> </span>n<span class=\"_ _2\"></span>egativ<span class=\"_ _100\"> </span>positiv<span class=\"_ _5c\"> </span>negativ<span class=\"_ _60\"> </span>positiv<span class=\"_ _100\"> </span>neg<span class=\"_ _2\"></span>ativ<span class=\"_ _39f\"> </span>&lt; 1 Jahr<span class=\"_ _39f\"> </span>1 \u2013 5Jahre<span class=\"_ _e\"> </span><span class=\"ff4\">&gt; 5 Jahre<span class=\"_ _60\"> </span></span>Gesamt<span class=\"_ _9a\"> </span><span class=\"ff4\">&lt; <span class=\"_ _2\"></span>1 Jahr<span class=\"_ _fe\"> </span>1 \u2013 <span class=\"_ _2\"></span>5 Jahre<span class=\"_ _14b\"> </span>&gt; <span class=\"_ _2\"></span>5 Jahre<span class=\"_ _39f\"> </span></span>Zinsswaps<span class=\"_ _271\"> </span><span class=\"ff2\">271.948<span class=\"_ _108\"> </span>2.261.317<span class=\"_ _21\"> </span>846.808<span class=\"_ _fb\"> </span>3.380.073<span class=\"_ _fa\"> </span>873<span class=\"_ _c9\"> </span></span>\u22121.290<span class=\"_ _f\"> </span><span class=\"ff2\">22.887<span class=\"_ _108\"> </span></span>\u221215.997<span class=\"_ _39f\"> </span>22.717<span class=\"_ _39f\"> </span>\u221214.434<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _343\"> </span><span class=\"ff2 lse wse\">103.224<span class=\"_ _108\"> </span>1.151.417<span class=\"_ _21\"> </span>528.403<span class=\"_ _fb\"> </span>1.783.044<span class=\"_ _fa\"> </span>801<span class=\"_ _2ee\"> </span><span class=\"ff4\">\u221249<span class=\"_ _f\"> </span></span>12.138<span class=\"_ _107\"> </span><span class=\"ff4\">\u22127.793<span class=\"_ _39f\"> </span></span></span>13.451<span class=\"_ _39f\"> </span>\u22129.607Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">168.724<span class=\"_ _108\"> </span>1.109.900<span class=\"_ _21\"> </span>318.405<span class=\"_ _d\"> </span>1.597.029<span class=\"_ _d8\"> </span>73<span class=\"_ _c9\"> </span><span class=\"ff4\">\u22121.241<span class=\"_ _100\"> </span></span>10.749<span class=\"_ _12\"> </span><span class=\"ff4\">\u22128.204<span class=\"_ _39f\"> </span></span></span>9.266<span class=\"_ _39f\"> </span>\u22124.827<span class=\"_ _39f\"> </span>Zinssatzoptionen<span class=\"_ _d0\"> </span><span class=\"ff2\">292.174<span class=\"_ _ee\"> </span>88.688<span class=\"_ _e3\"> </span>32.142<span class=\"_ _10a\"> </span>413.004<span class=\"_ _fa\"> </span>290<span class=\"_ _cf\"> </span></span>\u2212289<span class=\"_ _11a\"> </span><span class=\"ff2\">718<span class=\"_ _ee\"> </span></span>\u2212716<span class=\"_ _f1\"> </span><span class=\"ff2\">386<span class=\"_ _ef\"> </span></span>\u2212306<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _343\"> </span><span class=\"ff2 lse wse\">146.087<span class=\"_ _ee\"> </span>44.344<span class=\"_ _ed\"> </span>16.071<span class=\"_ _10a\"> </span>206.502<span class=\"_ _fa\"> </span>290<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span>716<span class=\"_ _14a\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f1\"> </span></span>347<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221211<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">146.087<span class=\"_ _ee\"> </span>44.344<span class=\"_ _e3\"> </span>16.071<span class=\"_ _f3\"> </span>206.502<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _115\"> </span></span><span class=\"ff4\">\u2212289<span class=\"_ _145\"> </span></span><span class=\"ls2 ws1\">1<span class=\"_ _8e\"> </span></span><span class=\"ff4\">\u2212716<span class=\"_ _112\"> </span></span>39<span class=\"_ _f0\"> </span><span class=\"ff4\">\u2212295<span class=\"_ _39f\"> </span></span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _20\"> </span><span class=\"wse\">564.121<span class=\"_ _344\"> </span>2.350.004<span class=\"_ _5d\"> </span>878.951<span class=\"_ _6\"> </span>3.793.076<span class=\"_ _f\"> </span>1.163<span class=\"_ _d\"> </span><span class=\"ff6f9\">\u22121.579<span class=\"_ _f7\"> </span></span>23.605<span class=\"_ _101\"> </span><span class=\"ff6f9\">\u221216.713<span class=\"_ _39f\"> </span></span></span>23.103<span class=\"_ _39f\"> </span>\u221214.740<span class=\"_ _39f\"> </span>W\u00e4hrungsswaps<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Devisentermingesch\u00e4fte<span class=\"_ _62\"> </span><span class=\"ff2\">150.788<span class=\"_ _ee\"> </span>36.284<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10a\"> </span></span>187.072<span class=\"_ _fc\"> </span>5.105<span class=\"_ _c9\"> </span></span>\u22121.031<span class=\"_ _11a\"> </span><span class=\"ff2\">721<span class=\"_ _ee\"> </span></span>\u2212150<span class=\"_ _eb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>FX-Swaps<span class=\"_ _13b\"> </span><span class=\"ff2\">871.812<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _20\"> </span>0<span class=\"_ _10a\"> </span></span>871.812<span class=\"_ _fc\"> </span>9.502<span class=\"_ _c9\"> </span></span>\u22122.434<span class=\"_ _145\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>echselkursvertr\u00e4ge Gesamt<span class=\"_ _10b\"> </span><span class=\"wse\">1.022.600<span class=\"_ _f0\"> </span>36.284<span class=\"_ _6b\"> </span></span><span class=\"ls2\">0<span class=\"_ _13e\"> </span></span><span class=\"wse\">1.058.884<span class=\"_ _f9\"> </span>14.606<span class=\"_ _c\"> </span></span><span class=\"ff6f9 ls2\">\u22123.465<span class=\"_ _8e\"> </span></span><span class=\"wse\">721<span class=\"_ _ed\"> </span><span class=\"ff6f9\">\u2212150<span class=\"_ _98\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _e7\"> </span>0<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>29.000<span class=\"_ _ee\"> </span>65.500<span class=\"_ _57\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1d\"> </span></span>94.500<span class=\"_ _b\"> </span>8.304<span class=\"_ _59\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>6.467<span class=\"_ _8e\"> </span><span class=\"ff4\">\u2212777<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _270\"> </span><span class=\"ff2 lse wse\">29.000<span class=\"_ _ee\"> </span>65.500<span class=\"_ _57\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1d\"> </span></span>94.500<span class=\"_ _b\"> </span>8.304<span class=\"_ _59\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>6.467<span class=\"_ _8e\"> </span><span class=\"ff4\">\u2212777<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>29.000<span class=\"_ _f0\"> </span>65.500<span class=\"_ _6b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cf\"> </span></span>94.500<span class=\"_ _100\"> </span>8.304<span class=\"_ _91\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _107\"> </span></span>6.467<span class=\"_ _ed\"> </span><span class=\"ff6f9\">\u2212777<span class=\"_ _98\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span>0<span class=\"_ _39f\"> </span></span>Bankbuch Gesamt<span class=\"_ _24\"> </span><span class=\"wse\">1.615.721<span class=\"_ _e6\"> </span>2.451.788<span class=\"_ _5d\"> </span>878.951<span class=\"_ _13e\"> </span>4.946.460<span class=\"_ _13e\"> </span>24.074<span class=\"_ _c\"> </span></span><span class=\"ff6f9 ls2\">\u22125.044<span class=\"_ _f7\"> </span></span><span class=\"wse\">30.792<span class=\"_ _101\"> </span><span class=\"ff6f9\">\u221217.641<span class=\"_ _39f\"> </span></span></span>23.103<span class=\"_ _39f\"> </span>\u221214.740<span class=\"_ _39f\"> </span>Zinssatzoptionen \u2013 Handelsbu<span class=\"_ _2\"></span>ch<span class=\"_ _132\"> </span><span class=\"ff2\">553<span class=\"_ _ee\"> </span>11.529<span class=\"_ _e3\"> </span>21.791<span class=\"_ _1d\"> </span>33.874<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>4<span class=\"_ _8e\"> </span></span></span>\u2212113<span class=\"_ _8f\"> </span><span class=\"ff2\">685<span class=\"_ _90\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _1e4\"> </span><span class=\"ff2 lse wse\">266<span class=\"_ _ee\"> </span>11.018<span class=\"_ _e3\"> </span>19.887<span class=\"_ _1d\"> </span>31.171<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>4<span class=\"_ _8e\"> </span></span><span class=\"ff4\">\u2212113<span class=\"_ _8f\"> </span></span>685<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _345\"> </span><span class=\"ff2 lse wse\">287<span class=\"_ _f4\"> </span>511<span class=\"_ _97\"> </span>1.904<span class=\"_ _111\"> </span>2.703<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff4\">\u22124<span class=\"_ _39f\"> </span></span></span>Zinsswaps \u2013 <span class=\"_ _2\"></span>Handelsbuch<span class=\"_ _104\"> </span><span class=\"ff2\">1.200<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _e3\"> </span></span>25.000<span class=\"_ _1d\"> </span>26.200<span class=\"_ _13d\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _10b\"> </span></span>1.255<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Kauf<span class=\"_ _2fc\"> </span><span class=\"ff2 lse wse\">1.200<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _e3\"> </span></span>25.000<span class=\"_ _8e\"> </span>26.200<span class=\"_ _158\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _10b\"> </span></span>1.255<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _158\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _62\"> </span><span class=\"wse\">1.753<span class=\"_ _f0\"> </span>11.529<span class=\"_ _125\"> </span>46.791<span class=\"_ _cf\"> </span>60.074<span class=\"_ _144\"> </span></span><span class=\"ls2\">6<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>4<span class=\"_ _e3\"> </span></span><span class=\"ff6f9 wse\">\u2212113<span class=\"_ _60\"> </span><span class=\"ff5\">1.940<span class=\"_ _e1\"> </span></span>\u22124<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _13d\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">88<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _13d\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">88<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _ea\"> </span><span class=\"lse wse\">2.000<span class=\"_ _127\"> </span>2.000<span class=\"_ _12d\"> </span></span>0<span class=\"_ _59\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _12c\"> </span>0<span class=\"_ _111\"> </span><span class=\"lse wse\">88<span class=\"_ _145\"> </span></span>0<span class=\"_ _39f\"> </span>Handelsbuch Gesamt<span class=\"_ _17\"> </span><span class=\"wse\">1.753<span class=\"_ _f0\"> </span>11.529<span class=\"_ _125\"> </span>48.791<span class=\"_ _cf\"> </span>62.074<span class=\"_ _144\"> </span></span><span class=\"ls2\">6<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>4<span class=\"_ _e3\"> </span></span><span class=\"ff6f9 wse\">\u2212113<span class=\"_ _60\"> </span><span class=\"ff5\">2.028<span class=\"_ _e1\"> </span></span>\u22124<span class=\"_ _39f\"> </span></span>Nicht abgewick<span class=\"_ _4\"></span>elte derivat<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente Gesamt<span class=\"_ _39f\"> </span>1.617.474<span class=\"_ _13e\"> </span>2.463.317<span class=\"_ _39f\"> </span>927.742<span class=\"_ _39f\"> </span>5.008.533<span class=\"_ _5\"> </span><span class=\"lse wse\">24.080<span class=\"_ _39f\"> </span></span>\u22125.044<span class=\"_ _108\"> </span><span class=\"ff5\">30.796<span class=\"_ _101\"> </span></span><span class=\"lse wse\">\u221217.754<span class=\"_ _39f\"> </span></span>25.131<span class=\"_ _39f\"> </span>\u221214.744<span class=\"_ _39f\"> </span>35 Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewick<span class=\"_ _9\"></span>elter deriv<span class=\"_ _2\"></span>ativer Finanzprodukte<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2\"></span>volumen noch nicht abgewickelter derivativer Finanzprodukte pe<span class=\"_ _2\"></span>r 31.12.2023:<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2be\"> </span><span class=\"fs6 lse wse\">K<span class=\"_ _4\"></span>ontraktvolumen/Restlaufzeiten<span class=\"_ _7b\"> </span>Marktwer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span></span>positiv<span class=\"_ _101\"> </span>negativ<span class=\"_ _100\"> </span>positiv<span class=\"_ _5d\"> </span>n<span class=\"_ _2\"></span>egativ<span class=\"_ _60\"> </span>positiv<span class=\"_ _100\"> </span>neg<span class=\"_ _2\"></span>ativ<span class=\"_ _39f\"> </span>&lt; 1 Jahr<span class=\"_ _39f\"> </span>1 \u2013 5<span class=\"_ _39f\"> </span>Jahre<span class=\"_ _e\"> </span><span class=\"ff4\">&gt; 5 Jahre<span class=\"_ _60\"> </span></span>Gesamt<span class=\"_ _9c\"> </span><span class=\"ff4\">&lt; 1 <span class=\"_ _2\"></span>Jahr<span class=\"_ _57\"> </span>1 <span class=\"_ _2\"></span>\u2013 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _14b\"> </span>&gt; 5 <span class=\"_ _2\"></span>Jahre<span class=\"_ _39f\"> </span></span>Zinsswaps<span class=\"_ _271\"> </span><span class=\"ff2\">136.729<span class=\"_ _108\"> </span>1.364.957<span class=\"_ _21\"> </span>793.659<span class=\"_ _fb\"> </span>2.295.345<span class=\"_ _b6\"> </span>527<span class=\"_ _5c\"> </span></span>\u22121.378<span class=\"_ _f\"> </span><span class=\"ff2\">20.626<span class=\"_ _fb\"> </span></span>\u221217.194<span class=\"_ _39f\"> </span>32.547<span class=\"_ _39f\"> </span>\u221216.765<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _182\"> </span><span class=\"ff2 lse wse\">31.414<span class=\"_ _f6\"> </span>649.656<span class=\"_ _10b\"> </span>499.886<span class=\"_ _fb\"> </span>1.180.957<span class=\"_ _b6\"> </span>527<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _100\"> </span></span>16.846<span class=\"_ _12\"> </span><span class=\"ff4\">\u22122.028<span class=\"_ _39f\"> </span></span></span>25.080<span class=\"_ _39f\"> </span>\u22127.358Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _16c\"> </span><span class=\"ff2 lse wse\">105.314<span class=\"_ _f2\"> </span>715.300<span class=\"_ _21\"> </span>293.774<span class=\"_ _d\"> </span>1.114.388<span class=\"_ _112\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c9\"> </span></span><span class=\"ff4\">\u22121.378<span class=\"_ _f2\"> </span></span>3.780<span class=\"_ _fb\"> </span><span class=\"ff4\">\u221215.166<span class=\"_ _39f\"> </span></span></span>7.467<span class=\"_ _39f\"> </span>\u22129.407<span class=\"_ _39f\"> </span>Zinssatzoptionen<span class=\"_ _2df\"> </span><span class=\"ff2\">50.000<span class=\"_ _f6\"> </span>346.176<span class=\"_ _e3\"> </span>96.794<span class=\"_ _f3\"> </span>492.970<span class=\"_ _b6\"> </span>286<span class=\"_ _115\"> </span></span>\u2212286<span class=\"_ _f2\"> </span><span class=\"ff2\">2.865<span class=\"_ _12\"> </span></span>\u22122.828<span class=\"_ _21\"> </span><span class=\"ff2\">2.143<span class=\"_ _ef\"> </span></span>\u2212935<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _182\"> </span><span class=\"ff2 lse wse\">25.000<span class=\"_ _f6\"> </span>176.088<span class=\"_ _e3\"> </span>58.298<span class=\"_ _10a\"> </span>259.386<span class=\"_ _f8\"> </span>286<span class=\"_ _114\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f2\"> </span></span>2.865<span class=\"_ _111\"> </span><span class=\"ff4\">\u221227<span class=\"_ _10b\"> </span></span>2.143<span class=\"_ _106\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _270\"> </span><span class=\"ff2 lse wse\">25.000<span class=\"_ _f2\"> </span>170.088<span class=\"_ _e3\"> </span>38.496<span class=\"_ _f3\"> </span>233.584<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cf\"> </span></span><span class=\"ff4\">\u2212286<span class=\"_ _145\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _12\"> </span></span><span class=\"ff4\">\u22122.801<span class=\"_ _1ce\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _ef\"> </span></span><span class=\"ff4\">\u2212935<span class=\"_ _39f\"> </span></span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _20\"> </span><span class=\"wse\">186.729<span class=\"_ _344\"> </span>1.711.133<span class=\"_ _5d\"> </span>890.453<span class=\"_ _6\"> </span>2.788.315<span class=\"_ _f2\"> </span>814<span class=\"_ _63\"> </span><span class=\"ff6f9\">\u22121.664<span class=\"_ _131\"> </span></span>23.491<span class=\"_ _5\"> </span><span class=\"ff6f9\">\u221220.022<span class=\"_ _39f\"> </span></span></span>34.690<span class=\"_ _39f\"> </span>\u221217.700<span class=\"_ _39f\"> </span>W\u00e4hrungsswaps<span class=\"_ _1a3\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _112\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Devisentermingesch\u00e4fte<span class=\"_ _62\"> </span><span class=\"ff2\">118.719<span class=\"_ _ee\"> </span>66.115<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10a\"> </span></span>184.834<span class=\"_ _c\"> </span>1.650<span class=\"_ _5d\"> </span></span>\u22121.394<span class=\"_ _f3\"> </span><span class=\"ff2\">3.435<span class=\"_ _8e\"> </span></span>\u2212671<span class=\"_ _1ce\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>FX-Swaps<span class=\"_ _13b\"> </span><span class=\"ff2\">733.722<span class=\"_ _ee\"> </span>27.525<span class=\"_ _20\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f3\"> </span></span>761.248<span class=\"_ _b6\"> </span>486<span class=\"_ _ff\"> </span></span>\u221217.305<span class=\"_ _ea\"> </span><span class=\"ff2\">187<span class=\"_ _12\"> </span></span>\u22122.946<span class=\"_ _1ce\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>echselkursvertr\u00e4ge Gesamt<span class=\"_ _ea\"> </span><span class=\"wse\">852.441<span class=\"_ _f0\"> </span>93.640<span class=\"_ _14b\"> </span></span><span class=\"ls2\">0<span class=\"_ _fc\"> </span></span><span class=\"wse\">946.081<span class=\"_ _131\"> </span>2.136<span class=\"_ _6\"> </span></span><span class=\"ff6f9 ls2\">\u221218.698<span class=\"_ _b\"> </span></span><span class=\"wse\">3.623<span class=\"_ _5d\"> </span><span class=\"ff6f9\">\u22123.617<span class=\"_ _98\"> </span></span></span><span class=\"ls2\">0<span class=\"_ _e7\"> </span>0<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _ee\"> </span><span class=\"lse wse\">90.300<span class=\"_ _e3\"> </span>15.000<span class=\"_ _f3\"> </span>105.300<span class=\"_ _e1\"> </span></span>0<span class=\"_ _59\"> </span>0<span class=\"_ _f3\"> </span><span class=\"lse wse\">8.042<span class=\"_ _12\"> </span><span class=\"ff4\">\u22121.709<span class=\"_ _8f\"> </span></span>733<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221272<span class=\"_ _39f\"> </span></span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _ee\"> </span><span class=\"lse wse\">90.300<span class=\"_ _e3\"> </span>15.000<span class=\"_ _f3\"> </span>105.300<span class=\"_ _e1\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _f2\"> </span><span class=\"lse wse\">8.042<span class=\"_ _107\"> </span><span class=\"ff4\">\u22121.709<span class=\"_ _f1\"> </span></span>733<span class=\"_ _11a\"> </span><span class=\"ff4\">\u221272<span class=\"_ _39f\"> </span></span></span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _f0\"> </span><span class=\"lse wse\">90.300<span class=\"_ _125\"> </span>15.000<span class=\"_ _fc\"> </span>105.300<span class=\"_ _112\"> </span></span>0<span class=\"_ _91\"> </span>0<span class=\"_ _b\"> </span><span class=\"lse wse\">8.042<span class=\"_ _5c\"> </span><span class=\"ff6f9\">\u22121.709<span class=\"_ _fa\"> </span></span>733<span class=\"_ _f1\"> </span><span class=\"ff6f9\">\u221272<span class=\"_ _39f\"> </span></span></span>Bankbuch Gesamt<span class=\"_ _24\"> </span><span class=\"wse\">1.039.170<span class=\"_ _e6\"> </span>1.895.073<span class=\"_ _5d\"> </span>905.453<span class=\"_ _13e\"> </span>3.839.696<span class=\"_ _131\"> </span>2.950<span class=\"_ _6\"> </span></span><span class=\"ff6f9 ls2\">\u221220.362<span class=\"_ _131\"> </span></span><span class=\"wse\">35.156<span class=\"_ _5\"> </span><span class=\"ff6f9\">\u221225.349<span class=\"_ _39f\"> </span></span></span>35.423<span class=\"_ _39f\"> </span>\u221217.772<span class=\"_ _39f\"> </span>Zinssatzoptionen \u2013 Handelsbu<span class=\"_ _2\"></span>ch<span class=\"_ _20\"> </span><span class=\"ff2\">50<span class=\"_ _b9\"> </span>1.117<span class=\"_ _d8\"> </span>5.077<span class=\"_ _111\"> </span>6.244<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>8<span class=\"_ _11a\"> </span></span></span>\u221211<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _2bf\"> </span><span class=\"ff2 lse wse\">32<span class=\"_ _f4\"> </span>531<span class=\"_ _d8\"> </span>2.216<span class=\"_ _111\"> </span>2.778<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>8<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _30e\"> </span><span class=\"ff2 lse wse\">19<span class=\"_ _f4\"> </span>586<span class=\"_ _d8\"> </span>2.861<span class=\"_ _111\"> </span>3.465<span class=\"_ _e1\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _127\"> </span></span><span class=\"ff4\">\u221211<span class=\"_ _39f\"> </span></span></span>Zinsswaps \u2013 <span class=\"_ _2\"></span>Handelsbuch<span class=\"_ _121\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e6\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _fe\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _59\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _106\"> </span>0<span class=\"_ _39f\"> </span></span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Ve<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>k<span class=\"_ _2\"></span>a<span class=\"_ _3\"></span>u<span class=\"_ _2\"></span>f<span class=\"_ _2be\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _d4\"> </span>0<span class=\"_ _e1\"> </span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _eb\"> </span>0<span class=\"_ _91\"> </span>0<span class=\"_ _39f\"> </span></span>Zinssatzv<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rtr\u00e4ge Gesamt<span class=\"_ _130\"> </span><span class=\"wse\">50<span class=\"_ _11a\"> </span>1.117<span class=\"_ _ea\"> </span>5.077<span class=\"_ _127\"> </span>6.244<span class=\"_ _112\"> </span></span><span class=\"ls2\">0<span class=\"_ _106\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _98\"> </span>8<span class=\"_ _e0\"> </span></span><span class=\"ff6f9 wse\">\u221211<span class=\"_ _39f\"> </span></span>Derivate auf <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4f<span class=\"_ _2\"></span>te und sonstige Deriv<span class=\"_ _2\"></span>ate<span class=\"_ _39f\"> </span>0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">93<span class=\"_ _e7\"> </span></span>0<span class=\"_ _39f\"> </span>Kauf<span class=\"_ _14d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _d5\"> </span>0<span class=\"_ _97\"> </span><span class=\"lse wse\">2.000<span class=\"_ _df\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _114\"> </span>0<span class=\"_ _145\"> </span>0<span class=\"_ _14a\"> </span>0<span class=\"_ _112\"> </span><span class=\"lse wse\">93<span class=\"_ _106\"> </span></span>0<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapierbezogene Gesch\u00e4fte<span class=\"_ _39f\"> </span>und sonstige Derivate Gesamt<span class=\"_ _39f\"> </span>0<span class=\"_ _20\"> </span>0<span class=\"_ _ea\"> </span><span class=\"lse wse\">2.000<span class=\"_ _127\"> </span>2.000<span class=\"_ _112\"> </span></span>0<span class=\"_ _91\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _12c\"> </span>0<span class=\"_ _111\"> </span><span class=\"lse wse\">93<span class=\"_ _145\"> </span></span>0<span class=\"_ _39f\"> </span>Handelsbuch Gesamt<span class=\"_ _b4\"> </span><span class=\"wse\">50<span class=\"_ _11a\"> </span>1.117<span class=\"_ _e0\"> </span>7.077<span class=\"_ _2ee\"> </span>8.244<span class=\"_ _112\"> </span></span><span class=\"ls2\">0<span class=\"_ _106\"> </span>0<span class=\"_ _f4\"> </span>0<span class=\"_ _113\"> </span>0<span class=\"_ _ee\"> </span></span><span class=\"wse\">101<span class=\"_ _f1\"> </span><span class=\"ff6f9\">\u221211<span class=\"_ _39f\"> </span></span></span>Nicht abgewick<span class=\"_ _4\"></span>elte derivat<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Finanzinstrumente Gesamt<span class=\"_ _39f\"> </span>1.039.220<span class=\"_ _13e\"> </span>1.896.190<span class=\"_ _39f\"> </span>912.530<span class=\"_ _39f\"> </span>3.847.940<span class=\"_ _108\"> </span><span class=\"lse wse\">2.950<span class=\"_ _39f\"> </span></span>\u221220.362<span class=\"_ _108\"> </span><span class=\"ff5\">35.156<span class=\"_ _101\"> </span></span><span class=\"lse wse\">\u221225.349<span class=\"_ _39f\"> </span></span>35.525<span class=\"_ _39f\"> </span>\u221217.783<span class=\"_ _39f\"> </span>Das G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>svolu<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>je na<span class=\"_ _2\"></span>ch z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>in di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien z<span class=\"_ _2\"></span>inssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z-, wec<span class=\"_ _2\"></span>hselk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>ne G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te e<span class=\"_ _2\"></span>ingete<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>gew\u00e4<span class=\"_ _2\"></span>hlte <span class=\"_ _2\"></span>Einte<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er Volumina <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nale<span class=\"_ _2\"></span>n Emp<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nso <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>lassi<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>in zi<span class=\"_ _2\"></span>nssat<span class=\"_ _2\"></span>z-, <span class=\"_ _2\"></span>wech<span class=\"_ _2\"></span>selk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>e Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Zum Ul<span class=\"_ _2\"></span>timo 2024 hat<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>nur <span class=\"_ _2\"></span>OTC(<span class=\"_ _4\"></span>O<span class=\"_ _2\"></span>ver-the<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Counte<span class=\"_ _2\"></span>r)-<span class=\"_ _3\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>\u00fcch<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>zu H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsz<span class=\"_ _2\"></span>wec<span class=\"_ _2\"></span>ken <span class=\"_ _2\"></span>geha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m Kund<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n Cros<span class=\"_ _2\"></span>s-<span class=\"_ _3\"></span>Curre<span class=\"_ _2\"></span>nc<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>Swaps <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>optio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>chge<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V schli<span class=\"_ _2\"></span>e\u00dft die<span class=\"_ _2\"></span>se Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>genge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei a<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd nim<span class=\"_ _2\"></span>mt ke<span class=\"_ _2\"></span>in R<span class=\"_ _2\"></span>isiko a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>e Bu<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V selbs<span class=\"_ _2\"></span>t ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>amtba<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos vor <span class=\"_ _2\"></span>allem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos sind es ha<span class=\"_ _2\"></span>upt<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>chlic<span class=\"_ _2\"></span>h De<span class=\"_ _2\"></span>vise<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>minge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ssw<span class=\"_ _2\"></span>aps<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eing<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e wer<span class=\"_ _3\"></span>tpap<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bezog<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n auss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dflich <span class=\"_ _2\"></span>emi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Veranlag<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>te. <span class=\"_ _2\"></span>Die d<span class=\"_ _2\"></span>azu b<span class=\"_ _2\"></span>en\u00f6t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>ptio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei Fremd<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Absic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m f<span class=\"_ _2\"></span>\u00fcr D<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t ide<span class=\"_ _2\"></span>ntis<span class=\"_ _2\"></span>ch m<span class=\"_ _2\"></span>it je<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>wende<span class=\"_ _2\"></span>t Fa<span class=\"_ _2\"></span>ir Value H<span class=\"_ _2\"></span>edge <span class=\"_ _2\"></span>Accoun<span class=\"_ _2\"></span>ting \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>els Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>wap<span class=\"_ _2\"></span>s an<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair Values von f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>nslic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>info<span class=\"_ _2\"></span>lge von <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>wegung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze a<span class=\"_ _2\"></span>bzusiche<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie F<span class=\"_ _2\"></span>air Values <span class=\"_ _2\"></span>der Siche<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsin<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vse<span class=\"_ _2\"></span>itig i<span class=\"_ _2\"></span>m son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>passi<span class=\"_ _2\"></span>vse<span class=\"_ _2\"></span>itig i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n son<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-12": {
   "value": "7 Handelsaktiva <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Fonds<span class=\"_ _269\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _13c\"> </span>20.673<span class=\"_ _39f\"> </span></span>B\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26a\"> </span><span class=\"ff2\">5.229<span class=\"_ _fd\"> </span>2.834<span class=\"_ _39f\"> </span></span>Nicht b\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">29.216<span class=\"_ _13c\"> </span>17.839<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Finanzgesch\u00e4ften<span class=\"_ _26c\"> </span><span class=\"ff2\">32.712<span class=\"_ _13c\"> </span>18.604<span class=\"_ _39f\"> </span></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _26d\"> </span><span class=\"ff2\">15.268<span class=\"_ _fd\"> </span>5.724<span class=\"_ _39f\"> </span></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26e\"> </span><span class=\"ff2\">17.361<span class=\"_ _13c\"> </span>12.787<span class=\"_ _39f\"> </span></span>Sonstige Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26f\"> </span><span class=\"ff2\">83<span class=\"_ _148\"> </span>93<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _1c0\"> </span>67.157<span class=\"_ _12c\"> </span>39.277<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-536": {
   "value": "7 Handelsaktiva <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Fonds<span class=\"_ _269\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _13c\"> </span>20.673<span class=\"_ _39f\"> </span></span>B\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26a\"> </span><span class=\"ff2\">5.229<span class=\"_ _fd\"> </span>2.834<span class=\"_ _39f\"> </span></span>Nicht b\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">29.216<span class=\"_ _13c\"> </span>17.839<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Finanzgesch\u00e4ften<span class=\"_ _26c\"> </span><span class=\"ff2\">32.712<span class=\"_ _13c\"> </span>18.604<span class=\"_ _39f\"> </span></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _26d\"> </span><span class=\"ff2\">15.268<span class=\"_ _fd\"> </span>5.724<span class=\"_ _39f\"> </span></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26e\"> </span><span class=\"ff2\">17.361<span class=\"_ _13c\"> </span>12.787<span class=\"_ _39f\"> </span></span>Sonstige Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26f\"> </span><span class=\"ff2\">83<span class=\"_ _148\"> </span>93<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _1c0\"> </span>67.157<span class=\"_ _12c\"> </span>39.277<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-566": {
   "value": "7 Handelsaktiva <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Fonds<span class=\"_ _269\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _13c\"> </span>20.673<span class=\"_ _39f\"> </span></span>B\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26a\"> </span><span class=\"ff2\">5.229<span class=\"_ _fd\"> </span>2.834<span class=\"_ _39f\"> </span></span>Nicht b\u00f6rsenotier<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">29.216<span class=\"_ _13c\"> </span>17.839<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Finanzgesch\u00e4ften<span class=\"_ _26c\"> </span><span class=\"ff2\">32.712<span class=\"_ _13c\"> </span>18.604<span class=\"_ _39f\"> </span></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _26d\"> </span><span class=\"ff2\">15.268<span class=\"_ _fd\"> </span>5.724<span class=\"_ _39f\"> </span></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26e\"> </span><span class=\"ff2\">17.361<span class=\"_ _13c\"> </span>12.787<span class=\"_ _39f\"> </span></span>Sonstige Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _26f\"> </span><span class=\"ff2\">83<span class=\"_ _148\"> </span>93<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _1c0\"> </span>67.157<span class=\"_ _12c\"> </span>39.277<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-13": {
   "value": "T<span class=\"_ _3\"></span>V J<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>t 2<span class=\"_ _2\"></span>024<span class=\"_ _39f\"> </span>346<span class=\"_ _39f\"> </span>8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>31.12.2024 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span>Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span>davon Betriebs- und<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span>gehaltene Immobilien<span class=\"_ _39f\"> </span>(IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span>Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span>davon Betriebs- und<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span>gehaltene Immobilien<span class=\"_ _39f\"> </span>(IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _39f\"> </span></span><span class=\"ff6f9\"><span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>8b <span class=\"_ _2\"></span><span class=\"lse wse\">Sachanlagen</span> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _233\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _1fd\"> </span><span class=\"ff2\">243.025<span class=\"_ _91\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _273\"> </span><span class=\"ff2\">23.739<span class=\"_ _13c\"> </span>22.577<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _274\"> </span><span class=\"ff2\">135.231<span class=\"_ _91\"> </span>135.699<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _273\"> </span><span class=\"ff2\">19.461<span class=\"_ _13c\"> </span>20.390<span class=\"_ _39f\"> </span></span>Sachanlagen<span class=\"_ _26f\"> </span>378.256<span class=\"_ _12e\"> </span>376.312<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-611": {
   "value": "8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>hr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _89\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"_ _b1\"> </span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>8a <span class=\"_ _2\"></span><span class=\"lse\">Immaterielles Anlage<span class=\"_ _9\"></span>verm\u00f6gen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _a3\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _272\"> </span><span class=\"ff2\">6.783<span class=\"_ _fd\"> </span>5.486<span class=\"_ _39f\"> </span></span>Immaterielles Anlage<span class=\"_ _9\"></span>verm\u00f6gen<span class=\"_ _1bc\"> </span><span class=\"wse\">6.783<span class=\"_ _57\"> </span>5.486</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-608": {
   "value": "8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>hr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _89\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"_ _b1\"> </span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>8a <span class=\"_ _2\"></span><span class=\"lse\">Immaterielles Anlage<span class=\"_ _9\"></span>verm\u00f6gen<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _a3\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _272\"> </span><span class=\"ff2\">6.783<span class=\"_ _fd\"> </span>5.486<span class=\"_ _39f\"> </span></span>Immaterielles Anlage<span class=\"_ _9\"></span>verm\u00f6gen<span class=\"_ _1bc\"> </span><span class=\"wse\">6.783<span class=\"_ _57\"> </span>5.486</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-602": {
   "value": "8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>hr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _89\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"_ _b1\"> </span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>25 V<span class=\"_ _9\"></span>erwaltungsau<span class=\"_ _2\"></span>fwand<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2e0\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Personalaufwand<span class=\"_ _2e1\"> </span>\u2212150.007<span class=\"_ _128\"> </span>\u2212136.779<span class=\"_ _39f\"> </span>davon L\u00f6hne und Ge<span class=\"_ _2\"></span>h\u00e4lter<span class=\"_ _2e2\"> </span>\u2212103.942<span class=\"_ _106\"> </span>\u221292.765<span class=\"_ _39f\"> </span>davon gesetzliche Sozialabgaben<span class=\"_ _28d\"> </span>\u221225.885<span class=\"_ _e7\"> </span>\u221223.765<span class=\"_ _39f\"> </span>davon sonstiger Personalaufwand<span class=\"_ _1db\"> </span>\u221218.865<span class=\"_ _106\"> </span>\u221219.107<span class=\"_ _39f\"> </span>davon Aufwendungen f\u00fcr langfr<span class=\"_ _2\"></span>istige Personalr\u00fcckstellungen<span class=\"_ _2e3\"> </span>\u22121.314<span class=\"_ _1cc\"> </span>\u22121.142<span class=\"_ _39f\"> </span>Sachaufwand<span class=\"_ _2cf\"> </span>\u221279.761<span class=\"_ _106\"> </span>\u221265.736<span class=\"_ _39f\"> </span>Abschreibungen<span class=\"_ _1ee\"> </span>\u221238.039<span class=\"_ _106\"> </span>\u221236.213   <span class=\"_ _2\"></span> davon Abschreibungen auf aktivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _24a\"> </span>\u22126.246<span class=\"_ _9a\"> </span>\u22126.111<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _2\"></span>fwand<span class=\"_ _1dc\"> </span><span class=\"ff6f9\">\u2212267.808<span class=\"_ _b9\"> </span>\u2212238.728<span class=\"_ _39f\"> </span></span>Im Per<span class=\"_ _2\"></span>sonal<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d sind Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n f\u00fc<span class=\"_ _2\"></span>r beit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Versor<span class=\"_ _2\"></span>gu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>l\u00e4ne i<span class=\"_ _2\"></span>n H\u00f6h<span class=\"_ _2\"></span>e von 3.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>86 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rnge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wurd<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amm<span class=\"_ _2\"></span>enha<span class=\"_ _2\"></span>ng mit COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19 die Entsc<span class=\"_ _2\"></span>h\u00e4dig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h dem Ep<span class=\"_ _2\"></span>idem<span class=\"_ _2\"></span>ieG in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 258 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 320 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch g<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V w\u00e4hl<span class=\"_ _2\"></span>t hier g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S 20 d<span class=\"_ _2\"></span>ie Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tod<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r die Zuwend<span class=\"_ _2\"></span>ungen d<span class=\"_ _2\"></span>en ausg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Pers<span class=\"_ _2\"></span>onala<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand k<span class=\"_ _2\"></span>\u00fcr<span class=\"_ _2\"></span>zen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-567": {
   "value": "8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span><span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span><span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span><span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span><span class=\"ff6f9\"> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span> in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span><span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span> 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span><span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zusc<span class=\"_ _39f\"> </span>hr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span><span class=\"_ _10d\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _89\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span> Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span><span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und<span class=\"_ _39f\"> </span> Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span> gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span><span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span> <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span><span class=\"ff4\"><span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span> gehaltene Immobilien<span class=\"_ _39f\"> </span> (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span><span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>25 V<span class=\"_ _9\"></span>erwaltungsau<span class=\"_ _2\"></span>fwand<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2e0\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Personalaufwand<span class=\"_ _2e1\"> </span>\u2212150.007<span class=\"_ _128\"> </span>\u2212136.779<span class=\"_ _39f\"> </span>davon L\u00f6hne und Ge<span class=\"_ _2\"></span>h\u00e4lter<span class=\"_ _2e2\"> </span>\u2212103.942<span class=\"_ _106\"> </span>\u221292.765<span class=\"_ _39f\"> </span>davon gesetzliche Sozialabgaben<span class=\"_ _28d\"> </span>\u221225.885<span class=\"_ _e7\"> </span>\u221223.765<span class=\"_ _39f\"> </span>davon sonstiger Personalaufwand<span class=\"_ _1db\"> </span>\u221218.865<span class=\"_ _106\"> </span>\u221219.107<span class=\"_ _39f\"> </span>davon Aufwendungen f\u00fcr langfr<span class=\"_ _2\"></span>istige Personalr\u00fcckstellungen<span class=\"_ _2e3\"> </span>\u22121.314<span class=\"_ _1cc\"> </span>\u22121.142<span class=\"_ _39f\"> </span>Sachaufwand<span class=\"_ _2cf\"> </span>\u221279.761<span class=\"_ _106\"> </span>\u221265.736<span class=\"_ _39f\"> </span>Abschreibungen<span class=\"_ _1ee\"> </span>\u221238.039<span class=\"_ _106\"> </span>\u221236.213   <span class=\"_ _2\"></span> davon Abschreibungen auf aktivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _24a\"> </span>\u22126.246<span class=\"_ _9a\"> </span>\u22126.111<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _2\"></span>fwand<span class=\"_ _1dc\"> </span><span class=\"ff6f9\">\u2212267.808<span class=\"_ _b9\"> </span>\u2212238.728<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-537": {
   "value": "8 Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>01.01.2024<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>31.12.2024  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _39f\"> </span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span>Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _39f\"> </span></span>davon Betriebs- und<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _39f\"> </span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _39f\"> </span></span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span>gehaltene Immobilien<span class=\"_ _39f\"> </span>(IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _39f\"> </span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span></span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"_ _39f\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _22f\"> </span></span>\u2212157.833<span class=\"_ _39f\"> </span>davon Grundst\u00fccke und<span class=\"_ _39f\"> </span>Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"_ _39f\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _39f\"> </span></span>davon Betriebs- und<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _39f\"> </span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _39f\"> </span>Als Finanzinvestitionen gehaltene<span class=\"_ _39f\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _39f\"> </span></span>davon als Finanzinvestitionen<span class=\"_ _39f\"> </span>gehaltene Immobilien<span class=\"_ _39f\"> </span>(IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _39f\"> </span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _39f\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _39f\"> </span></span>Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2024<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2024<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">14.892<span class=\"_ _99\"> </span>4.287<span class=\"_ _158\"> </span></span> \u22121.327<span class=\"_ _d3\"> </span><span class=\"ff2\">205<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>18.057<span class=\"_ _23e\"> </span></span> <span class=\"_ _2\"></span>\u22129.406<span class=\"_ _d5\"> </span> \u22123.194<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _14b\"> </span></span><span class=\"ff2\">1.326<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _b9\"> </span></span></span> \u221211.274<span class=\"_ _eb\"> </span><span class=\"ff2\">6.783<span class=\"_ _1ce\"> </span>5.486<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">407.588<span class=\"_ _145\"> </span>11.355<span class=\"_ _158\"> </span></span> \u22125.349<span class=\"_ _99\"> </span><span class=\"ff2\">7.405<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _12b\"> </span></span>420.999<span class=\"_ _c4\"> </span></span> \u2212166.975<span class=\"_ _1e3\"> </span> <span class=\"_ _2\"></span>\u221212.354<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.355<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _ee\"> </span></span></span> \u2212177.974<span class=\"_ _8f\"> </span><span class=\"ff2\">243.025<span class=\"_ _f1\"> </span>240.613<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>38.210<span class=\"_ _99\"> </span>8.709<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22124.038<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>42.881<span class=\"_ _1a3\"> </span><span class=\"ff4\"> \u221215.632<span class=\"_ _1e6\"> </span> <span class=\"_ _2\"></span>\u22123.895<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>385<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221219.142<span class=\"_ _112\"> </span></span>23.739<span class=\"_ _df\"> </span>22.577<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>433.249<span class=\"_ _145\"> </span>29.497<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22126.842<span class=\"_ _158\"> </span> \u22127.610<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _3f\"> </span></span><span class=\"ff4\"> \u22129<span class=\"_ _90\"> </span></span>448.284<span class=\"_ _c4\"> </span><span class=\"ff4\"> \u2212297.550<span class=\"_ _1e3\"> </span> \u221220.830<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>5.323<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>4<span class=\"_ _ee\"> </span></span><span class=\"ff4\"> \u2212313.053<span class=\"_ _8f\"> </span></span>135.231<span class=\"_ _f1\"> </span>135.699<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>23.455<span class=\"_ _6a\"> </span>928<span class=\"_ _1e6\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221289<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span>24.294 \u22123.064<span class=\"_ _d5\"> </span> \u22121.819<span class=\"_ _150\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _62\"> </span></span><span class=\"ff2\">50<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span></span> \u22124.833<span class=\"_ _112\"> </span><span class=\"ff2\">19.461<span class=\"_ _112\"> </span>20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>93.168<span class=\"_ _99\"> </span>2.473<span class=\"_ _13d\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u22122.193<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _6a\"> </span></span>325<span class=\"_ _145\"> </span>93.774<span class=\"_ _76\"> </span><span class=\"ff4\"> <span class=\"_ _2\"></span>\u221234.379<span class=\"_ _d5\"> </span> \u22121.661<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>329<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _1e2\"> </span></span><span class=\"ff4\"> \u221235.710<span class=\"_ _112\"> </span></span>58.064<span class=\"_ _df\"> </span>58.790<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.778<span class=\"_ _6a\"> </span>292<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.070 \u22122.312<span class=\"_ _61\"> </span> <span class=\"_ _2\"></span>\u2212532<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _158\"> </span></span> <span class=\"_ _2\"></span>\u22122.844<span class=\"_ _1ce\"> </span><span class=\"ff2\">4.226<span class=\"_ _eb\"> </span>4.466<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>948.897<span class=\"_ _13d\"> </span>47.612<span class=\"_ _ea\"> </span><span class=\"ff6f9\"> \u221215.711<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span>316<span class=\"_ _97\"> </span>981.114<span class=\"_ _17b\"> </span><span class=\"ff6f9\"> \u2212508.310<span class=\"_ _94\"> </span> \u221238.039<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>8.333<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _89\"> </span>4<span class=\"_ _125\"> </span></span><span class=\"ff6f9\"> <span class=\"_ _2\"></span>\u2212538.011<span class=\"_ _ef\"> </span></span>443.103<span class=\"_ _cf\"> </span>440.588<span class=\"_ _39f\"> </span>Anlagespiegel<span class=\"_ _39f\"> </span>31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 01.01.2023<span class=\"_ _8f\"> </span>Zug\u00e4nge<span class=\"_ _8e\"> </span>Abg\u00e4nge<span class=\"_ _39f\"> </span>Umglie<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>derung<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.<span class=\"_ _39f\"> </span>Anschaf-<span class=\"_ _39f\"> </span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t 31.12.2023  Abschr<span class=\"_ _9\"></span>eibung kumuliert 01.01.2023<span class=\"_ _21\"> </span>Zu<span class=\"_ _9\"></span>g\u00e4nge AfA<span class=\"_ _39f\"> </span>Zuschr<span class=\"_ _9\"></span>eibun<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen AfA<span class=\"_ _39f\"> </span>Abg\u00e4ng<span class=\"_ _9\"></span>e AfA<span class=\"_ _39f\"> </span>Um-<span class=\"ls2 ws1\"> </span>buchungen<span class=\"_ _39f\"> </span>AfA<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>ver\u00e4nd.  <span class=\"ls2 ws1\"> </span>AfA<span class=\"_ _39f\"> </span>Abschr<span class=\"_ _9\"></span>ei-<span class=\"ls2 ws1\"> </span>bun<span class=\"_ _2\"></span>g <span class=\"_ _47\"></span> kumuliert 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2023<span class=\"_ _39f\"> </span>Bilanz-<span class=\"ls2 ws1\"> </span>wer<span class=\"_ _2\"></span>t 31.12.2022<span class=\"_ _39f\"> </span>Immaterielles Anlageverm\u00f6gen<span class=\"_ _132\"> </span><span class=\"ff2\">12.485<span class=\"_ _99\"> </span>3.601<span class=\"_ _f4\"> </span></span>\u22121.227<span class=\"_ _61\"> </span><span class=\"ff2\">33<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>14.892<span class=\"_ _270\"> </span></span>\u22128.499<span class=\"_ _6a\"> </span>\u22122.134<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">1.227<span class=\"_ _62\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span></span>\u22129.406<span class=\"_ _eb\"> </span><span class=\"ff2\">5.486<span class=\"_ _1ce\"> </span>3.986<span class=\"_ _39f\"> </span></span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _119\"> </span><span class=\"ff2\">403.592<span class=\"_ _99\"> </span>7.718<span class=\"_ _f4\"> </span></span>\u22122.803<span class=\"_ _10d\"> </span>\u2212918<span class=\"_ _cc\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _90\"> </span></span><span class=\"ff2\">407.588<span class=\"_ _271\"> </span></span>\u2212157.833<span class=\"_ _92\"> </span>\u221212.327<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6b\"> </span></span><span class=\"ff2\">2.321<span class=\"_ _d4\"> </span>865<span class=\"_ _116\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _ea\"> </span></span></span>\u2212166.975<span class=\"_ _8f\"> </span><span class=\"ff2\">240.613<span class=\"_ _8f\"> </span>245.759<span class=\"_ _39f\"> </span></span>davon Grundst\u00fccke und Geb\u00e4ude gem\u00e4\u00df I<span class=\"_ _2\"></span>FRS <span class=\"_ _2\"></span>16<span class=\"_ _39f\"> </span>32.642<span class=\"_ _99\"> </span>5.568<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>38.210<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221211.653<span class=\"_ _6a\"> </span>\u22123.980<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>0<span class=\"_ _116\"> </span>0<span class=\"_ _12b\"> </span></span><span class=\"ff4\">\u221215.632<span class=\"_ _112\"> </span></span>22.577<span class=\"_ _df\"> </span>20.989<span class=\"_ _39f\"> </span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>ts-<span class=\"ff2 ls2 ws1\"> </span>ausstattung<span class=\"_ _39f\"> </span>427.576<span class=\"_ _145\"> </span>18.671<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22129.824<span class=\"_ _eb\"> </span>\u22123.268<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _de\"> </span></span>93<span class=\"_ _12b\"> </span>433.249<span class=\"_ _271\"> </span><span class=\"ff4\">\u2212286.917<span class=\"_ _92\"> </span>\u221220.111<span class=\"_ _6f\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6b\"> </span></span>9.546<span class=\"_ _118\"> </span><span class=\"ff4\">\u22123<span class=\"_ _93\"> </span>\u221265<span class=\"_ _e0\"> </span>\u2212297.550<span class=\"_ _8f\"> </span></span>135.699<span class=\"_ _f1\"> </span>140.659<span class=\"_ _39f\"> </span>davon Betriebs- und Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>1.288<span class=\"_ _99\"> </span>1.045<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>21.121<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>23.455<span class=\"_ _39f\"> </span>\u2212398<span class=\"_ _6a\"> </span>\u22121.629<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _12e\"> </span></span>\u22121.037<span class=\"_ _89\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _f4\"> </span></span>\u22123.064<span class=\"_ _112\"> </span><span class=\"ff2\">20.390<span class=\"_ _13c\"> </span>890<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene <span class=\"_ _0\"></span><span class=\"ff2\"> </span>Immobilien (IAS 40)<span class=\"_ _39f\"> </span>89.079<span class=\"_ _6a\"> </span>616<span class=\"_ _92\"> </span><span class=\"ff4\">\u2212530<span class=\"_ _1e3\"> </span></span>4.153<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff4\">\u2212151<span class=\"_ _145\"> </span></span>93.168<span class=\"_ _16c\"> </span><span class=\"ff4\">\u221232.179<span class=\"_ _6a\"> </span>\u22121.641<span class=\"_ _150\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _103\"> </span></span>303<span class=\"_ _1e3\"> </span><span class=\"ff4\">\u2212862<span class=\"_ _116\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221234.379<span class=\"_ _112\"> </span></span>58.790<span class=\"_ _112\"> </span>56.900<span class=\"_ _39f\"> </span>davon als Finanzinvestitionen gehaltene Immobilien (IAS 40) <span class=\"_ _2\"></span>gem\u00e4\u00df IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _39f\"> </span>6.394<span class=\"_ _6a\"> </span>411<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221228<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>6.778<span class=\"_ _39f\"> </span>\u22121.812<span class=\"_ _72\"> </span>\u2212502<span class=\"_ _6f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _150\"> </span>0<span class=\"_ _62\"> </span>3<span class=\"_ _116\"> </span>0<span class=\"_ _f4\"> </span></span>\u22122.312<span class=\"_ _eb\"> </span><span class=\"ff2\">4.466<span class=\"_ _1ce\"> </span>4.582<span class=\"_ _39f\"> </span></span>Summe <span class=\"_ _23e\"> </span>932.732<span class=\"_ _13d\"> </span>30.606<span class=\"_ _97\"> </span><span class=\"ff6f9\">\u221214.384<span class=\"_ _70\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>0<span class=\"_ _fe\"> </span></span><span class=\"ff6f9\">\u221258<span class=\"_ _97\"> </span></span>948.897<span class=\"_ _b1\"> </span><span class=\"ff6f9\">\u2212485.428<span class=\"_ _132\"> </span>\u221236.213<span class=\"_ _21d\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _e7\"> </span></span>13.397<span class=\"_ _102\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _10d\"> </span></span><span class=\"ff6f9\">\u221265<span class=\"_ _115\"> </span>\u2212508.310<span class=\"_ _cf\"> </span></span>440.588<span class=\"_ _ef\"> </span>447.304<span class=\"_ _39f\"> </span>8c <span class=\"_ _2\"></span><span class=\"lse\">Als Finanzinv<span class=\"_ _4\"></span>estitione<span class=\"_ _2\"></span>n gehaltene Immobilien<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _275\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _212\"> </span><span class=\"ff2\">58.064<span class=\"_ _10d\"> </span>58.790<span class=\"_ _39f\"> </span></span>davon aktivier<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _162\"> </span><span class=\"ff2\">4.226<span class=\"_ _11c\"> </span>4.466<span class=\"_ _39f\"> </span></span>Als Finanzinv<span class=\"_ _4\"></span>estitione<span class=\"_ _2\"></span>n gehaltene Immobilien<span class=\"_ _276\"> </span><span class=\"wse\">58.064<span class=\"_ _113\"> </span>58.790<span class=\"_ _39f\"> </span></span>Der <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>als F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ug 8<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.769 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 91.352 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Die Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von zer<span class=\"_ _3\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>ten G<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n durc<span class=\"_ _2\"></span>h Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tbe<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>die verei<span class=\"_ _2\"></span>nbar<span class=\"_ _3\"></span>ten M<span class=\"_ _2\"></span>iete<span class=\"_ _2\"></span>n bi<span class=\"_ _2\"></span>ldet<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die M<span class=\"_ _2\"></span>iete<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ugen <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 4.<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 5.<span class=\"_ _2\"></span>69<span class=\"_ _2\"></span>9 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>ielung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mie<span class=\"_ _2\"></span>ter<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge im <span class=\"_ _2\"></span>Zusa<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>menh<span class=\"_ _2\"></span>ang s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ugen <span class=\"_ _2\"></span>ink<span class=\"_ _2\"></span>lusive <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>ibunge<span class=\"_ _2\"></span>n 3<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>97 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>3.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>8<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ease<span class=\"_ _2\"></span>-Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trug<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 571 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>8d <span class=\"_ _2\"></span><span class=\"lse wse\">Restlaufzeiten<span class=\"_ _9\"></span>gliederung</span><span class=\"lse wse\"> </span>Operate-Lease-V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _250\"> </span><span class=\"fs6 lse\">&lt; 1 J<span class=\"_ _2\"></span>ahr<span class=\"_ _f0\"> </span><span class=\"wsd2\">1 \u2013 5 <span class=\"_ _1\"> </span>J ahre<span class=\"_ _1d\"> </span></span>&gt; 5 J<span class=\"_ _2\"></span>ahre<span class=\"_ _1e2\"> </span><span class=\"wse\">Ges<span class=\"_ _2\"></span>amt<span class=\"_ _39f\"> </span></span></span>K\u00fcnf<span class=\"_ _2\"></span>tige Mindestleasingzahlungen<span class=\"_ _277\"> </span><span class=\"ff2\">562<span class=\"_ _145\"> </span>13.116<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _145\"> </span></span>13.677<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>er Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ls F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzinves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>ne I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien\u201c sind <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>Op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>ease<span class=\"_ _3\"></span>-V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1<span class=\"_ _4\"></span>3.<span class=\"_ _2\"></span>677 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>3.<span class=\"_ _3\"></span>352 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t 2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>567 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 2<span class=\"_ _2\"></span>0.755 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). <span class=\"_ _2\"></span>F\u00fcr b<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>te M<span class=\"_ _2\"></span>iet<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>jahr <span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e vereinnahmt<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt d<span class=\"_ _2\"></span>ie Ab<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>eibung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Zug<span class=\"_ _2\"></span>\u00e4nge <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngsr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h K<span class=\"_ _2\"></span>lasse<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de liegend<span class=\"_ _9\"></span>er V<span class=\"_ _4\"></span>erm\u00f6genswerte dar<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>8<span class=\"lse\">e Nutzungsrechte gem. IFRS 16</span> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>Buchwert 01.01.2024<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/<span class=\"ls2 ws1\"> </span>Umgliederungen<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Nutzungsrecht<span class=\"_ _6\"> </span>Abschreibung<span class=\"_ _39f\"> </span>Buchwert 31.12.2024<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _260\"> </span><span class=\"ff2\">22.577<span class=\"_ _130\"> </span>609<span class=\"_ _102\"> </span>4.447<span class=\"_ _1cc\"> </span></span>\u22123.895<span class=\"_ _10d\"> </span><span class=\"ff2\">23.739<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _278\"> </span><span class=\"ff2\">20.390<span class=\"_ _130\"> </span>905<span class=\"_ _16e\"> </span></span>\u221215<span class=\"_ _1cc\"> </span>\u22121.819<span class=\"_ _10d\"> </span><span class=\"ff2\">19.461<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _27\"> </span><span class=\"ff2\">4.466<span class=\"_ _187\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _27\"> </span></span>292<span class=\"_ _9d\"> </span></span>\u2212532<span class=\"_ _fd\"> </span><span class=\"ff2\">4.226<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _160\"> </span>47.433<span class=\"_ _104\"> </span>1.514<span class=\"_ _de\"> </span>4.724<span class=\"_ _113\"> </span><span class=\"ff6f9\">\u22126.246<span class=\"_ _113\"> </span></span>47.426<span class=\"_ _39f\"> </span>Nutzungsrechte gem. IFRS 16<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>Buchwert 01.01.2023<span class=\"_ _39f\"> </span>Neuvertr\u00e4ge/<span class=\"ls2 ws1\"> </span>Umgliederungen<span class=\"_ _39f\"> </span>Anpassung<span class=\"_ _39f\"> </span>Nutzungsrecht<span class=\"_ _6\"> </span>Abschreibung<span class=\"_ _39f\"> </span>Buchwert 31.12.2023<span class=\"_ _39f\"> </span>Grundst\u00fccke und <span class=\"_ _2\"></span>Geb\u00e4ude<span class=\"_ _bf\"> </span><span class=\"ff2\">20.989<span class=\"_ _16e\"> </span>4.717<span class=\"_ _104\"> </span>851<span class=\"_ _9a\"> </span></span>\u22123.980<span class=\"_ _10d\"> </span><span class=\"ff2\">22.577<span class=\"_ _39f\"> </span></span>Betriebs- und <span class=\"_ _2\"></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsausstattung<span class=\"_ _123\"> </span><span class=\"ff2\">890<span class=\"_ _88\"> </span>21.172<span class=\"_ _a8\"> </span></span>\u221242<span class=\"_ _9a\"> </span>\u22121.629<span class=\"_ _13c\"> </span><span class=\"ff2\">20.390<span class=\"_ _39f\"> </span></span>Als Finanzinvestitionen gehaltene Immobi<span class=\"_ _2\"></span>lien<span class=\"_ _16e\"> </span><span class=\"ff2\">4.582<span class=\"_ _130\"> </span></span>\u221225<span class=\"_ _104\"> </span><span class=\"ff2\">411<span class=\"_ _9d\"> </span></span>\u2212502<span class=\"_ _fd\"> </span><span class=\"ff2\">4.466<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1c9\"> </span>26.461<span class=\"_ _72\"> </span>25.864<span class=\"_ _118\"> </span>1.220<span class=\"_ _113\"> </span><span class=\"ff6f9\">\u22126.111<span class=\"_ _113\"> </span></span>47.433<span class=\"_ _39f\"> </span>Die a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>hte s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>May<span class=\"_ _2\"></span>rhof<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gba<span class=\"_ _2\"></span>hnen <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t sowie <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H vor <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>m f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n Zweck d<span class=\"_ _2\"></span>er Er<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung und <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs <span class=\"_ _2\"></span>von Li<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Seil<span class=\"_ _2\"></span>bahne<span class=\"_ _2\"></span>n sowie <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>enu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung al<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>spor<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>l\u00e4n<span class=\"_ _2\"></span>de au<span class=\"_ _2\"></span>f f<span class=\"_ _2\"></span>rem<span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>und a<span class=\"_ _2\"></span>bges<span class=\"_ _2\"></span>chlos<span class=\"_ _2\"></span>sen w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en N<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rec<span class=\"_ _2\"></span>hte re<span class=\"_ _2\"></span>sult<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>aus L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>iete <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Par<span class=\"_ _2\"></span>kpl<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h ein <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rnun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zum I<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>t hab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-14": {
   "value": "In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alkos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>.)",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingCostsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-15": {
   "value": "9 Steueranspr\u00fcche<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _240\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Laufend<span class=\"_ _2\"></span>e Steueranspr\u00fcche<span class=\"_ _279\"> </span><span class=\"ff2\">1.720<span class=\"_ _fd\"> </span>1.818<span class=\"_ _39f\"> </span></span>Latente Steueranspr\u00fcche<span class=\"_ _27a\"> </span><span class=\"ff2\">3.464<span class=\"_ _fd\"> </span>4.572<span class=\"_ _39f\"> </span></span>Steueranspr\u00fcche<span class=\"_ _1ea\"> </span>5.184<span class=\"_ _57\"> </span>6.390<span class=\"_ _39f\"> </span>9<span class=\"lse\">a Latente Steueranspr\u00fcche/Steuers<span class=\"_ _9\"></span>chulden<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _7b\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _39f\"> </span></span></span></span></span>Steuer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>anspr\u00fcche<span class=\"_ _39f\"> </span>Steuer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schulden<span class=\"_ _6\"> </span><span class=\"lse wse\">31.12.2023<span class=\"_ _39f\"> </span></span>Umwert<span class=\"_ _2\"></span>ung Finance Leasing und Ford<span class=\"_ _2\"></span>./V<span class=\"_ _9\"></span>erb. an/g<span class=\"_ _2\"></span>g\u00fc. Kunden<span class=\"_ _27b\"> </span><span class=\"ff2\">18.287<span class=\"_ _df\"> </span>24.561<span class=\"_ _df\"> </span></span>\u22126.275<span class=\"_ _df\"> </span><span class=\"ff2\">19.859<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen und Verbindlichkeiten<span class=\"_ _48\"> </span>\u221222.252<span class=\"_ _1ce\"> </span><span class=\"ff2\">9.949<span class=\"_ _8e\"> </span></span>\u221232.201<span class=\"_ _1d\"> </span>\u221219.710<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _27c\"> </span><span class=\"ff2 lse wse\">6.272<span class=\"_ _1ce\"> </span>6.498<span class=\"_ _e7\"> </span><span class=\"ff4\">\u2212226<span class=\"_ _1ce\"> </span></span>6.132<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>und -passiva<span class=\"_ _238\"> </span>\u2212711<span class=\"_ _98\"> </span><span class=\"ff2\">1.174<span class=\"_ _df\"> </span></span>\u22121.885<span class=\"_ _1ce\"> </span><span class=\"ff2\">3.079<span class=\"_ _39f\"> </span></span>Sachanlagen<span class=\"_ _27d\"> </span>\u221221.380<span class=\"_ _9a\"> </span><span class=\"ff2\">994<span class=\"_ _1d\"> </span></span>\u221222.374<span class=\"_ _8e\"> </span>\u221221.027<span class=\"_ _39f\"> </span>R\u00fcckstellungen<span class=\"_ _27e\"> </span><span class=\"ff2\">6.534<span class=\"_ _1ce\"> </span>6.899<span class=\"_ _e7\"> </span></span>\u2212366<span class=\"_ _1ce\"> </span><span class=\"ff2\">8.623<span class=\"_ _39f\"> </span></span>Sonstige<span class=\"_ _27f\"> </span><span class=\"ff2\">2.364<span class=\"_ _1ce\"> </span>2.520<span class=\"_ _e7\"> </span></span>\u2212156<span class=\"_ _1ce\"> </span><span class=\"ff2\">6.794<span class=\"_ _39f\"> </span></span>Latente S<span class=\"_ _9\"></span>teueranspr\u00fcche/S<span class=\"_ _9\"></span>teuerschulden<span class=\"_ _1da\"> </span><span class=\"ff6f9 lse wse\">\u221210.887<span class=\"_ _127\"> </span><span class=\"ff5\">52.596<span class=\"_ _ef\"> </span></span>\u221263.482<span class=\"_ _144\"> </span><span class=\"ff5\">3.749<span class=\"_ _39f\"> </span></span></span>Saldierung<span class=\"_ _280\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _8e\"> </span></span>\u221249.131<span class=\"_ _112\"> </span><span class=\"ff2\">49.131<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Latente St<span class=\"_ _9\"></span>eueranspr\u00fcche<span class=\"_ _281\"> </span><span class=\"wse\">3.464<span class=\"_ _144\"> </span>3.464<span class=\"_ _ef\"> </span><span class=\"ff6f9\">\u221214.351<span class=\"_ _144\"> </span></span>4.572<span class=\"_ _39f\"> </span></span>Latente S<span class=\"_ _9\"></span>teuerschulden<span class=\"_ _37\"> </span><span class=\"ff6f9 lse wse\">\u221214.351<span class=\"_ _223\"> </span>\u2212822<span class=\"_ _39f\"> </span></span>Am 2<span class=\"_ _2\"></span>0. <span class=\"_ _2\"></span>J\u00e4nn<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>2022 w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>vom N<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>die \u00f6ko<span class=\"_ _2\"></span>soziale Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>m b<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>losse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e sie<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>weise <span class=\"_ _2\"></span>Senk<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des K<span class=\"_ _2\"></span>\u00f6r<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes vo<span class=\"_ _2\"></span>n 25 <span class=\"_ _2\"></span>% au<span class=\"_ _2\"></span>f 23 <span class=\"_ _2\"></span>% vor <span class=\"_ _2\"></span>(2<span class=\"_ _2\"></span>023: 24 %<span class=\"_ _2\"></span>, 2<span class=\"_ _2\"></span>024: 23 %<span class=\"_ _2\"></span>). <span class=\"_ _2\"></span>F\u00fcr J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se bz<span class=\"_ _2\"></span>w. Kon<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hl\u00fcsse <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>20<span class=\"_ _2\"></span>. J\u00e4<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>r 2022 <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>und p<span class=\"_ _2\"></span>assive<span class=\"_ _2\"></span>n lat<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern mit d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>anzu<span class=\"_ _2\"></span>ziehe<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>jen<span class=\"_ _2\"></span>er Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>ch b<span class=\"_ _2\"></span>ei Rea<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>(U<span class=\"_ _2\"></span>mkehr) de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>r late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>r zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de li<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>temp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n Di<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nz zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung ko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Da es <span class=\"_ _2\"></span>im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>zu kei<span class=\"_ _2\"></span>nen wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Realisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>r k<span class=\"_ _2\"></span>am<span class=\"_ _2\"></span>, wu<span class=\"_ _2\"></span>rde b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s im <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2023 <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ab 2<span class=\"_ _2\"></span>024 g\u00fclt<span class=\"_ _2\"></span>ige K\u00f6<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>von 2<span class=\"_ _2\"></span>3 % zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>zoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nte A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>he au<span class=\"_ _2\"></span>f Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vor<span class=\"_ _3\"></span>tr\u00e4<span class=\"_ _2\"></span>ge au<span class=\"_ _2\"></span>s vollkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von 1.403 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>3.1<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>4 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) entha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e vor<span class=\"_ _2\"></span>aussic<span class=\"_ _2\"></span>htl<span class=\"_ _2\"></span>ich k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>16 <span class=\"lsa5 wsbf\">Steuerschulden<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lsa5 wsbf\"><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2a4\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Laufende Steuerschulden<span class=\"_ _2a5\"> </span><span class=\"ff2 lse wse\">11.478<span class=\"_ _145\"> </span>18.409<span class=\"_ _39f\"> </span></span>Latente St<span class=\"_ _9\"></span>euerschulden<span class=\"_ _23a\"> </span><span class=\"ff2 lse wse\">14.351<span class=\"_ _6a\"> </span>822<span class=\"_ _39f\"> </span></span>Steuersc<span class=\"_ _9\"></span>hulden<span class=\"_ _1c0\"> </span><span class=\"lse wse\">25.829<span class=\"_ _158\"> </span>19.231<span class=\"_ _39f\"> </span></span>27 <span class=\"ws1\">Steuern vom Eink<span class=\"_ _9\"></span>ommen und Ertrag<span class=\"ls2\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _1cd\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _100\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Laufender Steueraufwand<span class=\"_ _1ba\"> </span><span class=\"lse wse\">\u221227.898<span class=\"_ _e1\"> </span>\u221232.014<span class=\"_ _39f\"> </span></span>Latenter Steueraufwan<span class=\"_ _2\"></span>d (\u2212)/-er<span class=\"_ _2\"></span>trag <span class=\"_ _2\"></span>(+)<span class=\"_ _2e6\"> </span>\u221213.251<span class=\"_ _f4\"> </span>\u22121.307<span class=\"_ _39f\"> </span>Steuern v<span class=\"_ _9\"></span>om Einkommen und Ertrag<span class=\"_ _2e7\"> </span><span class=\"ff6f9 wse\">\u221241.150<span class=\"_ _e2\"> </span>\u221233.321<span class=\"_ _39f\"> </span></span>Die E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nzelne<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nunte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dlage <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bniss<span class=\"_ _2\"></span>e er<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chne<span class=\"_ _2\"></span>ten lauf<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rkor<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hre <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r la<span class=\"_ _2\"></span>tent<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>27<span class=\"ws1\">a Steuern: \u00dcberleitungsrechnung<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _2e8\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _39f\"> </span></span></span></span></span>\u00dcberleitung Steuersat<span class=\"_ _9\"></span>z<span class=\"_ _99\"> </span><span class=\"lse wse\">2023<span class=\"_ _39f\"> </span></span>\u00dcberleitung Steuersat<span class=\"_ _9\"></span>z<span class=\"_ _39f\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _2e9\"> </span><span class=\"ff2\">264.878<span class=\"_ _2ab\"> </span>229.395<span class=\"_ _39f\"> </span></span>Errechneter Steueraufw<span class=\"_ _2\"></span>and<span class=\"_ _2e\"> </span>\u221260.922<span class=\"_ _59\"> </span>23,0 %<span class=\"_ _e1\"> </span>\u221255.055<span class=\"_ _114\"> </span>24,0 %<span class=\"_ _39f\"> </span>Steuerbefreiung At-equit<span class=\"_ _2\"></span>y-Er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _239\"> </span><span class=\"ff2\">21.478<span class=\"_ _106\"> </span></span>\u22128,1 %<span class=\"_ _145\"> </span><span class=\"ff2\">22.065<span class=\"_ _91\"> </span></span>\u22129,6 %<span class=\"_ _39f\"> </span>Aperiodischer Steuera<span class=\"_ _2\"></span>ufwand (\u2212)/-er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag (+)<span class=\"_ _7d\"> </span>\u2212664<span class=\"_ _10d\"> </span>0,3 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>\u2212248<span class=\"_ _10d\"> </span>0,1 %<span class=\"_ _39f\"> </span>Steuermehrung aus <span class=\"_ _2\"></span>nicht abzugsf<span class=\"_ _2\"></span>\u00e4higem Aufwand<span class=\"_ _18d\"> </span>\u2212411<span class=\"_ _10d\"> </span>0,2 %<span class=\"_ _10d\"> </span>\u2212624<span class=\"_ _10d\"> </span>0,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstiger Steueraufwan<span class=\"_ _2\"></span>d (\u2212)/-er<span class=\"_ _2\"></span>trag <span class=\"_ _2\"></span>(+)<span class=\"_ _2ea\"> </span>\u2212631<span class=\"_ _10d\"> </span>0,2 %<span class=\"_ _d3\"> </span><span class=\"ff2\">541<span class=\"_ _106\"> </span></span>\u22120,2 %<span class=\"_ _39f\"> </span>Steuern v<span class=\"_ _9\"></span>om Einkommen und Ertrag<span class=\"_ _2eb\"> </span><span class=\"ff6f9 wse\">\u221241.150<span class=\"_ _1ce\"> </span></span>15,5 %<span class=\"_ _97\"> </span><span class=\"ff6f9 wse\">\u221233.321<span class=\"_ _1ce\"> </span></span>14,5 %<span class=\"_ _39f\"> </span>Die Posit<span class=\"_ _2\"></span>ion \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>r Steue<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and/-<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>\u201c umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t im Wesentlic<span class=\"_ _2\"></span>hen U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>e aus aus<span class=\"_ _2\"></span>l\u00e4ndi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>as aper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Steue<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tet im Wesent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rn au<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>orpe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>oden s<span class=\"_ _2\"></span>owie so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige Qu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb de<span class=\"_ _2\"></span>r Ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung wer<span class=\"_ _2\"></span>den im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr \u2212<span class=\"_ _9\"></span>302 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _2\"></span>4.1<span class=\"_ _10\"></span>73 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) an lat<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn dir<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t <span class=\"ff2\"> </span>im Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al ver<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>m Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l verr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he ansc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>d nicht i<span class=\"_ _2\"></span>n die Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>glie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, bet<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>en 6<span class=\"_ _2\"></span>66 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: \u2212927 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>ren a<span class=\"_ _2\"></span>us der N<span class=\"_ _2\"></span>eub<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung au<span class=\"_ _2\"></span>s leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>ten Versor<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>\u00e4ne<span class=\"_ _2\"></span>n in H\u00f6h<span class=\"_ _2\"></span>e von 1.6<span class=\"_ _2\"></span>49 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.69<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>), de<span class=\"_ _2\"></span>r Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung von Eig<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he von \u2212<span class=\"_ _4\"></span>1.2<span class=\"_ _2\"></span>6<span class=\"_ _4\"></span>1 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>05 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d der F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>alu<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>er Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten d<span class=\"_ _2\"></span>es eige<span class=\"_ _2\"></span>nen B<span class=\"_ _2\"></span>oni<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos <span class=\"ff2\"> </span>in H\u00f6h<span class=\"_ _2\"></span>e von 278 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>82 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>m Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l verr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he ansc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>d in die Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung umge<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n \u22129<span class=\"_ _2\"></span>69 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u22123.246 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>alen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen von Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>tite<span class=\"_ _2\"></span>ln, d<span class=\"_ _2\"></span>ie zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet sin<span class=\"_ _2\"></span>d, in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n \u221298<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>184 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd die An<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ngen au<span class=\"_ _2\"></span>s der W\u00e4<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung<span class=\"_ _2\"></span>sumr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung in H<span class=\"_ _2\"></span>\u00f6he von 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _2\"></span>62 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-538": {
   "value": "9 Steueranspr\u00fcche<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _240\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Laufend<span class=\"_ _2\"></span>e Steueranspr\u00fcche<span class=\"_ _279\"> </span><span class=\"ff2\">1.720<span class=\"_ _fd\"> </span>1.818<span class=\"_ _39f\"> </span></span>Latente Steueranspr\u00fcche<span class=\"_ _27a\"> </span><span class=\"ff2\">3.464<span class=\"_ _fd\"> </span>4.572<span class=\"_ _39f\"> </span></span>Steueranspr\u00fcche<span class=\"_ _1ea\"> </span>5.184<span class=\"_ _57\"> </span>6.390<span class=\"_ _39f\"> </span>9<span class=\"lse\">a Latente Steueranspr\u00fcche/Steuers<span class=\"_ _9\"></span>chulden<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _7b\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _39f\"> </span></span></span></span></span>Steuer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>anspr\u00fcche<span class=\"_ _39f\"> </span>Steuer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schulden<span class=\"_ _6\"> </span><span class=\"lse wse\">31.12.2023<span class=\"_ _39f\"> </span></span>Umwert<span class=\"_ _2\"></span>ung Finance Leasing und Ford<span class=\"_ _2\"></span>./V<span class=\"_ _9\"></span>erb. an/g<span class=\"_ _2\"></span>g\u00fc. Kunden<span class=\"_ _27b\"> </span><span class=\"ff2\">18.287<span class=\"_ _df\"> </span>24.561<span class=\"_ _df\"> </span></span>\u22126.275<span class=\"_ _df\"> </span><span class=\"ff2\">19.859<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen und Verbindlichkeiten<span class=\"_ _48\"> </span>\u221222.252<span class=\"_ _1ce\"> </span><span class=\"ff2\">9.949<span class=\"_ _8e\"> </span></span>\u221232.201<span class=\"_ _1d\"> </span>\u221219.710<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _27c\"> </span><span class=\"ff2 lse wse\">6.272<span class=\"_ _1ce\"> </span>6.498<span class=\"_ _e7\"> </span><span class=\"ff4\">\u2212226<span class=\"_ _1ce\"> </span></span>6.132<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>und -passiva<span class=\"_ _238\"> </span>\u2212711<span class=\"_ _98\"> </span><span class=\"ff2\">1.174<span class=\"_ _df\"> </span></span>\u22121.885<span class=\"_ _1ce\"> </span><span class=\"ff2\">3.079<span class=\"_ _39f\"> </span></span>Sachanlagen<span class=\"_ _27d\"> </span>\u221221.380<span class=\"_ _9a\"> </span><span class=\"ff2\">994<span class=\"_ _1d\"> </span></span>\u221222.374<span class=\"_ _8e\"> </span>\u221221.027<span class=\"_ _39f\"> </span>R\u00fcckstellungen<span class=\"_ _27e\"> </span><span class=\"ff2\">6.534<span class=\"_ _1ce\"> </span>6.899<span class=\"_ _e7\"> </span></span>\u2212366<span class=\"_ _1ce\"> </span><span class=\"ff2\">8.623<span class=\"_ _39f\"> </span></span>Sonstige<span class=\"_ _27f\"> </span><span class=\"ff2\">2.364<span class=\"_ _1ce\"> </span>2.520<span class=\"_ _e7\"> </span></span>\u2212156<span class=\"_ _1ce\"> </span><span class=\"ff2\">6.794<span class=\"_ _39f\"> </span></span>Latente S<span class=\"_ _9\"></span>teueranspr\u00fcche/S<span class=\"_ _9\"></span>teuerschulden<span class=\"_ _1da\"> </span><span class=\"ff6f9 lse wse\">\u221210.887<span class=\"_ _127\"> </span><span class=\"ff5\">52.596<span class=\"_ _ef\"> </span></span>\u221263.482<span class=\"_ _144\"> </span><span class=\"ff5\">3.749<span class=\"_ _39f\"> </span></span></span>Saldierung<span class=\"_ _280\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _8e\"> </span></span>\u221249.131<span class=\"_ _112\"> </span><span class=\"ff2\">49.131<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Latente St<span class=\"_ _9\"></span>eueranspr\u00fcche<span class=\"_ _281\"> </span><span class=\"wse\">3.464<span class=\"_ _144\"> </span>3.464<span class=\"_ _ef\"> </span><span class=\"ff6f9\">\u221214.351<span class=\"_ _144\"> </span></span>4.572<span class=\"_ _39f\"> </span></span>Latente S<span class=\"_ _9\"></span>teuerschulden<span class=\"_ _37\"> </span><span class=\"ff6f9 lse wse\">\u221214.351<span class=\"_ _223\"> </span>\u2212822<span class=\"_ _39f\"> </span></span>Am 2<span class=\"_ _2\"></span>0. <span class=\"_ _2\"></span>J\u00e4nn<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>2022 w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>vom N<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onalr<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>die \u00f6ko<span class=\"_ _2\"></span>soziale Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>m b<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>losse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e sie<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>weise <span class=\"_ _2\"></span>Senk<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des K<span class=\"_ _2\"></span>\u00f6r<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes vo<span class=\"_ _2\"></span>n 25 <span class=\"_ _2\"></span>% au<span class=\"_ _2\"></span>f 23 <span class=\"_ _2\"></span>% vor <span class=\"_ _2\"></span>(2<span class=\"_ _2\"></span>023: 24 %<span class=\"_ _2\"></span>, 2<span class=\"_ _2\"></span>024: 23 %<span class=\"_ _2\"></span>). <span class=\"_ _2\"></span>F\u00fcr J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se bz<span class=\"_ _2\"></span>w. Kon<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hl\u00fcsse <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Sticht<span class=\"_ _2\"></span>ag n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>20<span class=\"_ _2\"></span>. J\u00e4<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>r 2022 <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>und p<span class=\"_ _2\"></span>assive<span class=\"_ _2\"></span>n lat<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>ern mit d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>anzu<span class=\"_ _2\"></span>ziehe<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>abei <span class=\"_ _2\"></span>jen<span class=\"_ _2\"></span>er Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>ch b<span class=\"_ _2\"></span>ei Rea<span class=\"_ _2\"></span>lisie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>(U<span class=\"_ _2\"></span>mkehr) de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>r late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>r zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de li<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>temp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n Di<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nz zur <span class=\"_ _2\"></span>Anwen<span class=\"_ _2\"></span>dung ko<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Da es <span class=\"_ _2\"></span>im G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>2023 <span class=\"_ _2\"></span>zu kei<span class=\"_ _2\"></span>nen wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Realisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>r k<span class=\"_ _2\"></span>am<span class=\"_ _2\"></span>, wu<span class=\"_ _2\"></span>rde b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s im <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2023 <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r ab 2<span class=\"_ _2\"></span>024 g\u00fclt<span class=\"_ _2\"></span>ige K\u00f6<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>von 2<span class=\"_ _2\"></span>3 % zu<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>zoge<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nte A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>he au<span class=\"_ _2\"></span>f Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vor<span class=\"_ _3\"></span>tr\u00e4<span class=\"_ _2\"></span>ge au<span class=\"_ _2\"></span>s vollkon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>ilig<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he von 1.403 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>3.1<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>4 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) entha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e vor<span class=\"_ _2\"></span>aussic<span class=\"_ _2\"></span>htl<span class=\"_ _2\"></span>ich k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>16 <span class=\"lsa5 wsbf\">Steuerschulden<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lsa5 wsbf\"><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2a4\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Laufende Steuerschulden<span class=\"_ _2a5\"> </span><span class=\"ff2 lse wse\">11.478<span class=\"_ _145\"> </span>18.409<span class=\"_ _39f\"> </span></span>Latente St<span class=\"_ _9\"></span>euerschulden<span class=\"_ _23a\"> </span><span class=\"ff2 lse wse\">14.351<span class=\"_ _6a\"> </span>822<span class=\"_ _39f\"> </span></span>Steuersc<span class=\"_ _9\"></span>hulden<span class=\"_ _1c0\"> </span><span class=\"lse wse\">25.829<span class=\"_ _158\"> </span>19.231<span class=\"_ _39f\"> </span></span>27<span class=\"ws1\">a Steuern: \u00dcberleitungsrechnung<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _2e8\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _39f\"> </span></span></span></span></span>\u00dcberleitung Steuersat<span class=\"_ _9\"></span>z<span class=\"_ _99\"> </span><span class=\"lse wse\">2023<span class=\"_ _39f\"> </span></span>\u00dcberleitung Steuersat<span class=\"_ _9\"></span>z<span class=\"_ _39f\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _2e9\"> </span><span class=\"ff2\">264.878<span class=\"_ _2ab\"> </span>229.395<span class=\"_ _39f\"> </span></span>Errechneter Steueraufw<span class=\"_ _2\"></span>and<span class=\"_ _2e\"> </span>\u221260.922<span class=\"_ _59\"> </span>23,0 %<span class=\"_ _e1\"> </span>\u221255.055<span class=\"_ _114\"> </span>24,0 %<span class=\"_ _39f\"> </span>Steuerbefreiung At-equit<span class=\"_ _2\"></span>y-Er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _239\"> </span><span class=\"ff2\">21.478<span class=\"_ _106\"> </span></span>\u22128,1 %<span class=\"_ _145\"> </span><span class=\"ff2\">22.065<span class=\"_ _91\"> </span></span>\u22129,6 %<span class=\"_ _39f\"> </span>Aperiodischer Steuera<span class=\"_ _2\"></span>ufwand (\u2212)/-er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag (+)<span class=\"_ _7d\"> </span>\u2212664<span class=\"_ _10d\"> </span>0,3 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>\u2212248<span class=\"_ _10d\"> </span>0,1 %<span class=\"_ _39f\"> </span>Steuermehrung aus <span class=\"_ _2\"></span>nicht abzugsf<span class=\"_ _2\"></span>\u00e4higem Aufwand<span class=\"_ _18d\"> </span>\u2212411<span class=\"_ _10d\"> </span>0,2 %<span class=\"_ _10d\"> </span>\u2212624<span class=\"_ _10d\"> </span>0,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstiger Steueraufwan<span class=\"_ _2\"></span>d (\u2212)/-er<span class=\"_ _2\"></span>trag <span class=\"_ _2\"></span>(+)<span class=\"_ _2ea\"> </span>\u2212631<span class=\"_ _10d\"> </span>0,2 %<span class=\"_ _d3\"> </span><span class=\"ff2\">541<span class=\"_ _106\"> </span></span>\u22120,2 %<span class=\"_ _39f\"> </span>Steuern v<span class=\"_ _9\"></span>om Einkommen und Ertrag<span class=\"_ _2eb\"> </span><span class=\"ff6f9 wse\">\u221241.150<span class=\"_ _1ce\"> </span></span>15,5 %<span class=\"_ _97\"> </span><span class=\"ff6f9 wse\">\u221233.321<span class=\"_ _1ce\"> </span></span>14,5 %<span class=\"_ _39f\"> </span>Die Posit<span class=\"_ _2\"></span>ion \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>r Steue<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and/-<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>\u201c umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t im Wesentlic<span class=\"_ _2\"></span>hen U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>e aus aus<span class=\"_ _2\"></span>l\u00e4ndi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>as aper<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Steue<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tet im Wesent<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rn au<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>orpe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>oden s<span class=\"_ _2\"></span>owie so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige Qu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb de<span class=\"_ _2\"></span>r Ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung wer<span class=\"_ _2\"></span>den im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr \u2212<span class=\"_ _9\"></span>302 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _2\"></span>4.1<span class=\"_ _10\"></span>73 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) an lat<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn dir<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t <span class=\"ff2\"> </span>im Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al ver<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnet<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>m Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l verr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he ansc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>d nicht i<span class=\"_ _2\"></span>n die Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- und Verlus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung umge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>glie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, bet<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>en 6<span class=\"_ _2\"></span>66 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: \u2212927 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>ren a<span class=\"_ _2\"></span>us der N<span class=\"_ _2\"></span>eub<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung au<span class=\"_ _2\"></span>s leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-<span class=\"_ _39f\"> </span>ten Versor<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>\u00e4ne<span class=\"_ _2\"></span>n in H\u00f6h<span class=\"_ _2\"></span>e von 1.6<span class=\"_ _2\"></span>49 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.69<span class=\"_ _2\"></span>6 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>), de<span class=\"_ _2\"></span>r Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung von Eig<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>mente<span class=\"_ _2\"></span>n in H<span class=\"_ _2\"></span>\u00f6he von \u2212<span class=\"_ _4\"></span>1.2<span class=\"_ _2\"></span>6<span class=\"_ _4\"></span>1 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>05 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d der F<span class=\"_ _2\"></span>air-V<span class=\"_ _4\"></span>alu<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>er Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten d<span class=\"_ _2\"></span>es eige<span class=\"_ _2\"></span>nen B<span class=\"_ _2\"></span>oni<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos <span class=\"ff2\"> </span>in H\u00f6h<span class=\"_ _2\"></span>e von 278 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>82 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>m Eigenk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l verr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n late<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>n Steue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>he ansc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>d in die Ge<span class=\"_ _2\"></span>winn<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung umge<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n, b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n \u22129<span class=\"_ _2\"></span>69 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u22123.246 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>alen \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen von Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>tite<span class=\"_ _2\"></span>ln, d<span class=\"_ _2\"></span>ie zum be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bewer<span class=\"_ _3\"></span>tet sin<span class=\"_ _2\"></span>d, in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n \u221298<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>184 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd die An<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ngen au<span class=\"_ _2\"></span>s der W\u00e4<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung<span class=\"_ _2\"></span>sumr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung in H<span class=\"_ _2\"></span>\u00f6he von 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: \u2212<span class=\"_ _2\"></span>62 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-16": {
   "value": "10 <span class=\"ws1\">Sonstige Aktiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _205\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Aktive Rechnungsabgrenzungen<span class=\"_ _282\"> </span><span class=\"ff2\">19.229<span class=\"_ _13c\"> </span>16.781<span class=\"_ _39f\"> </span></span>Forderungen aus <span class=\"_ _2\"></span>Lieferungen und <span class=\"_ _2\"></span>Leistungen <span class=\"_ _a5\"> </span><span class=\"ff2\">634<span class=\"_ _fd\"> </span>1.177<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>r\u00e4te<span class=\"_ _8c\"> </span><span class=\"ff2\">4.849<span class=\"_ _fd\"> </span>4.905<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsforder<span class=\"_ _2\"></span>ungen<span class=\"_ _283\"> </span><span class=\"ff2\">7.754<span class=\"_ _13c\"> </span>27.249<span class=\"_ _39f\"> </span></span>\u00dcbrige Aktiva<span class=\"_ _284\"> </span><span class=\"ff2\">38.521<span class=\"_ _13c\"> </span>63.004<span class=\"_ _39f\"> </span></span>Sonstige Aktiva<span class=\"_ _285\"> </span><span class=\"wse\">70.987<span class=\"_ _12e\"> </span>113.115<span class=\"_ _39f\"> </span></span>Die Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>\u201e\u00dcb<span class=\"_ _2\"></span>rige <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a\u201c enth\u00e4l<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus n<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Mie<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>in H\u00f6h<span class=\"_ _2\"></span>e von 19.92<span class=\"_ _9\"></span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 42<span class=\"_ _2\"></span>.4<span class=\"_ _3\"></span>46 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInventoriesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-612": {
   "value": "10 <span class=\"ws1\">Sonstige Aktiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _205\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Aktive Rechnungsabgrenzungen<span class=\"_ _282\"> </span><span class=\"ff2\">19.229<span class=\"_ _13c\"> </span>16.781<span class=\"_ _39f\"> </span></span>Forderungen aus <span class=\"_ _2\"></span>Lieferungen und <span class=\"_ _2\"></span>Leistungen <span class=\"_ _a5\"> </span><span class=\"ff2\">634<span class=\"_ _fd\"> </span>1.177<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>r\u00e4te<span class=\"_ _8c\"> </span><span class=\"ff2\">4.849<span class=\"_ _fd\"> </span>4.905<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsforder<span class=\"_ _2\"></span>ungen<span class=\"_ _283\"> </span><span class=\"ff2\">7.754<span class=\"_ _13c\"> </span>27.249<span class=\"_ _39f\"> </span></span>\u00dcbrige Aktiva<span class=\"_ _284\"> </span><span class=\"ff2\">38.521<span class=\"_ _13c\"> </span>63.004<span class=\"_ _39f\"> </span></span>Sonstige Aktiva<span class=\"_ _285\"> </span><span class=\"wse\">70.987<span class=\"_ _12e\"> </span>113.115<span class=\"_ _39f\"> </span></span>Die Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>\u201e\u00dcb<span class=\"_ _2\"></span>rige <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a\u201c enth\u00e4l<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus n<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Mie<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>in H\u00f6h<span class=\"_ _2\"></span>e von 19.92<span class=\"_ _9\"></span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 42<span class=\"_ _2\"></span>.4<span class=\"_ _3\"></span>46 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-568": {
   "value": "10 <span class=\"ws1\">Sonstige Aktiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _205\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Aktive Rechnungsabgrenzungen<span class=\"_ _282\"> </span><span class=\"ff2\">19.229<span class=\"_ _13c\"> </span>16.781<span class=\"_ _39f\"> </span></span>Forderungen aus <span class=\"_ _2\"></span>Lieferungen und <span class=\"_ _2\"></span>Leistungen <span class=\"_ _a5\"> </span><span class=\"ff2\">634<span class=\"_ _fd\"> </span>1.177<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>r\u00e4te<span class=\"_ _8c\"> </span><span class=\"ff2\">4.849<span class=\"_ _fd\"> </span>4.905<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsforder<span class=\"_ _2\"></span>ungen<span class=\"_ _283\"> </span><span class=\"ff2\">7.754<span class=\"_ _13c\"> </span>27.249<span class=\"_ _39f\"> </span></span>\u00dcbrige Aktiva<span class=\"_ _284\"> </span><span class=\"ff2\">38.521<span class=\"_ _13c\"> </span>63.004<span class=\"_ _39f\"> </span></span>Sonstige Aktiva<span class=\"_ _285\"> </span><span class=\"wse\">70.987<span class=\"_ _12e\"> </span>113.115<span class=\"_ _39f\"> </span></span>Die Posi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>\u201e\u00dcb<span class=\"_ _2\"></span>rige <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>a\u201c enth\u00e4l<span class=\"_ _2\"></span>t im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus n<span class=\"_ _2\"></span>och <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Mie<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>in H\u00f6h<span class=\"_ _2\"></span>e von 19.92<span class=\"_ _9\"></span>1 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 42<span class=\"_ _2\"></span>.4<span class=\"_ _3\"></span>46 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-539": {
   "value": "11 V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _9\"></span>reditinstituten<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _201\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">1.057.378<span class=\"_ _112\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _9\"></span>reditinstituten<span class=\"_ _e9\"> </span><span class=\"wse\">1.057.378<span class=\"_ _ea\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-540": {
   "value": "12 V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _4\"></span>unden <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _52\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _286\"> </span><span class=\"ff2\">9.756.707<span class=\"_ _112\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erbindlichkeiten gegen\u00fcber K<span class=\"_ _4\"></span>unden<span class=\"_ _287\"> </span><span class=\"wse\">9.756.707<span class=\"_ _ea\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-569": {
   "value": "13 Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _33\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _288\"> </span><span class=\"ff2\">1.347.637<span class=\"_ _112\"> </span>1.208.097<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _289\"> </span><span class=\"ff2\">1.130.467<span class=\"_ _112\"> </span>1.024.380<span class=\"_ _39f\"> </span></span>Kassenobligationen<span class=\"_ _28a\"> </span><span class=\"ff2 lse wse\">107<span class=\"_ _116\"> </span>107<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">217.063<span class=\"_ _91\"> </span>183.610<span class=\"_ _39f\"> </span></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _1fa\"> </span><span class=\"ff2\">353.898<span class=\"_ _91\"> </span>415.157<span class=\"_ _39f\"> </span></span>Anleihen<span class=\"_ _28c\"> </span><span class=\"ff2\">248.480<span class=\"_ _91\"> </span>276.480<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital<span class=\"_ _28b\"> </span><span class=\"ff2\">105.418<span class=\"_ _91\"> </span>138.677<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>Derivaten<span class=\"_ _28d\"> </span><span class=\"ff2\">28.562<span class=\"_ _13c\"> </span>30.981<span class=\"_ _39f\"> </span></span>Fair Value Hedge / Bewer<span class=\"_ _2\"></span>tung Sicherungsinstr<span class=\"_ _2\"></span>ument<span class=\"_ _28e\"> </span><span class=\"ff2\">3.052<span class=\"_ _fd\"> </span>3.700<span class=\"_ _39f\"> </span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te Swaps / <span class=\"_ _2\"></span>Optionen<span class=\"_ _222\"> </span><span class=\"ff2\">25.511<span class=\"_ _13c\"> </span>27.281<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Leasing<span class=\"_ _2\"></span>verh\u00e4ltnissen gem. <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _a1\"> </span><span class=\"ff2\">49.505<span class=\"_ _13c\"> </span>48.618<span class=\"_ _39f\"> </span></span>Sonstige Finanzv<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _195\"> </span><span class=\"wse\">1.779.602<span class=\"_ _ea\"> </span>1.702.853<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-542": {
   "value": "14 Handelspassiva<span class=\"ls2 ws1\"> <span class=\"_ _2\"></span><span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _217\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Fin<span class=\"_ _2\"></span>anzgesch\u00e4ften<span class=\"_ _15f\"> </span><span class=\"ff2\">8.724<span class=\"_ _f4\"> </span>32.403</span>   <span class=\"_ _2\"></span>W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _292\"> </span><span class=\"ff2\">3.614<span class=\"_ _145\"> </span>22.304</span>   <span class=\"_ _2\"></span>Zinsbezog<span class=\"_ _9\"></span>ene Gesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _293\"> </span><span class=\"ff2\">5.110<span class=\"_ _145\"> </span>10.099<span class=\"_ _39f\"> </span></span>Handelspassiva<span class=\"_ _294\"> </span>8.724<span class=\"_ _13d\"> </span>32.403<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-17": {
   "value": "15 R\u00fcckstellungen<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _295\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _1c6\"> </span><span class=\"ff2\">68.860<span class=\"_ _145\"> </span>63.448<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _296\"> </span><span class=\"ff2\">85.819<span class=\"_ _12b\"> </span>130.967<span class=\"_ _39f\"> </span></span>R\u00fcckstellungen<span class=\"_ _285\"> </span>154.679<span class=\"_ _97\"> </span>194.415<span class=\"_ _39f\"> </span>Pensionsr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _39f\"> </span>Den <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t li<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Koll<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>tiv<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>nd N<span class=\"_ _2\"></span>eur<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte zug<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Vom Gel<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h sin<span class=\"_ _2\"></span>d all<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>\u00d6st<span class=\"_ _2\"></span>err<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>em K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>f\u00fcr Banke<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Ba<span class=\"_ _2\"></span>nkie<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>und vor <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>1. J\u00e4nne<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 ei<span class=\"_ _2\"></span>ngetr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ag r<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>t Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen und A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lspe<span class=\"_ _2\"></span>nsion<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsio<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>zeitig<span class=\"_ _2\"></span>e Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion<span class=\"_ _2\"></span>, Ad<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tiv<span class=\"_ _2\"></span>pen<span class=\"_ _2\"></span>sion<span class=\"_ _2\"></span>, Sozialz<span class=\"_ _2\"></span>ulage<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>fl<span class=\"_ _2\"></span>egeg<span class=\"_ _2\"></span>eldzu<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>Hin<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>blie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en fi<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>lieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>npe<span class=\"_ _2\"></span>n<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sione<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>Wit<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>-, <span class=\"_ _2\"></span>Wit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r- und Waisenp<span class=\"_ _2\"></span>ensio<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>fle<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>ldzus<span class=\"_ _2\"></span>chuss<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>n-/<span class=\"_ _3\"></span>Wi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>findung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Ster<span class=\"_ _2\"></span>bequ<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rmit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ne<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Anwa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en ab<span class=\"_ _2\"></span>gebi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t J<span class=\"_ _2\"></span>\u00e4nne<span class=\"_ _2\"></span>r 20<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 wurd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e Anw<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>zeitig<span class=\"_ _2\"></span>e Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsione<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>. da<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>f ba<span class=\"_ _2\"></span>siere<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>bli<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n die V<span class=\"_ _2\"></span>BV-<span class=\"_ _2\"></span>Pension<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>asse \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ta <span class=\"_ _2\"></span>Mont<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>on H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing Gm<span class=\"_ _2\"></span>bH <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>yrh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>bahne<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _3\"></span>ten b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m Einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd ihren Mitar<span class=\"_ _2\"></span>beiter*inne<span class=\"_ _2\"></span>n vereinbar<span class=\"_ _2\"></span>ten Leistungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Abfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sr\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _39f\"> </span>F\u00fcr all<span class=\"_ _2\"></span>e Mi<span class=\"_ _2\"></span>tar<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>\u00d6ste<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Di<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m 1. J\u00e4nn<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>03 b<span class=\"_ _2\"></span>egon<span class=\"_ _2\"></span>nen hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>tenge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. Arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>bfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f Ab<span class=\"_ _2\"></span>fer<span class=\"_ _3\"></span>ti<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei Vorlieg<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>r\u00fcn<span class=\"_ _2\"></span>de zu<span class=\"_ _2\"></span>r Ausz<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>F\u00fcr a<span class=\"_ _2\"></span>lle a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>sse bez<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>MSVG B<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>e Vorsorg<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us b<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>ht n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Koll<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>tiv<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>s ein <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch a<span class=\"_ _2\"></span>uf z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>i zus<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>he Mo<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ntge<span class=\"_ _2\"></span>lte Abf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn d<span class=\"_ _2\"></span>as D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>5 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ng ode<span class=\"_ _2\"></span>r me<span class=\"_ _2\"></span>hr als 1<span class=\"_ _9\"></span>5 Ja<span class=\"_ _2\"></span>hre un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion <span class=\"_ _2\"></span>bzw. B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schie<span class=\"_ _2\"></span>d zur <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>kolle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m <span class=\"ff2 ls2 ws1\"> </span>31<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>20<span class=\"_ _3\"></span>02 bego<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en bz<span class=\"_ _2\"></span>w. in Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t b<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Zud<span class=\"_ _2\"></span>em b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Pens<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ka<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr ang<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellte <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m 31<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>zembe<span class=\"_ _2\"></span>r 1<span class=\"_ _9\"></span>99<span class=\"_ _2\"></span>6 ei<span class=\"_ _2\"></span>nget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ber<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ng ei<span class=\"_ _2\"></span>n zus<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f 3 M<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ntg<span class=\"_ _2\"></span>elte <span class=\"_ _2\"></span>(2<span class=\"_ _2\"></span>0 D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>tja<span class=\"_ _2\"></span>hre) bzw. 4 Mo<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lte (<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>jahr<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>). F\u00fcr d<span class=\"_ _2\"></span>ie Mit<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>and un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>hweiz b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>ildu<span class=\"_ _2\"></span>ng von A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">a <span class=\"lse\">Personalr\u00fcckstellungen f\u00fcr Leistungen nach Beendigung</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> </span> </span>des Arbeitsverh\u00e4ltnisses: Leistungsorientierte Pl\u00e4ne<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Pensions-<span class=\"ls2 ws1\"> </span>r\u00fcckstell.<span class=\"_ _39f\"> </span>Abf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _e3\"> </span>Summ<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 01.01.2023<span class=\"_ _14\"> </span><span class=\"wse\">31.987<span class=\"_ _ea\"> </span>15.652<span class=\"_ _e2\"> </span>47.639<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _249\"> </span><span class=\"ff2\">1.276<span class=\"_ _99\"> </span>616<span class=\"_ _98\"> </span>1.892</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f0\"> </span><span class=\"ff2\">39<span class=\"_ _99\"> </span>609<span class=\"_ _9a\"> </span>648<span class=\"_ _39f\"> </span></span>Im sonstigen Ergebnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fasst   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _23f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _33\"> </span><span class=\"ff2\">2.503<span class=\"_ _12e\"> </span>1.027<span class=\"_ _1ce\"> </span>3.530</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _19a\"> </span><span class=\"ff2\">3.003<span class=\"_ _99\"> </span>956<span class=\"_ _1ce\"> </span>3.959<span class=\"_ _39f\"> </span></span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _198\"> </span>\u22123.174<span class=\"_ _b9\"> </span>\u22121.384<span class=\"_ _df\"> </span>\u22124.558   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 31.12.2023<span class=\"_ _14\"> </span><span class=\"wse\">35.634<span class=\"_ _ea\"> </span>17.476<span class=\"_ _e2\"> </span>53.110<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _249\"> </span><span class=\"ff2\">1.196<span class=\"_ _99\"> </span>597<span class=\"_ _98\"> </span>1.793</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f0\"> </span><span class=\"ff2\">46<span class=\"_ _99\"> </span>701<span class=\"_ _9a\"> </span>747<span class=\"_ _39f\"> </span></span>Im sonstigen Ergebnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fasst   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+) <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _39f\"> </span>2.133<span class=\"_ _99\"> </span>848<span class=\"_ _1ce\"> </span>2.981   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _39f\"> </span>3.226<span class=\"_ _12e\"> </span>1.121<span class=\"_ _1ce\"> </span>4.347<span class=\"_ _39f\"> </span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _198\"> </span>\u22123.358<span class=\"_ _b9\"> </span>\u22122.302<span class=\"_ _df\"> </span>\u22125.660   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 31.12.2024<span class=\"_ _14\"> </span><span class=\"wse\">38.877<span class=\"_ _ea\"> </span>18.441<span class=\"_ _e2\"> </span>57.318<span class=\"_ _39f\"> </span></span>15<span class=\"ls2 ws1\">b <span class=\"lse\">Andere langfristige Personalr\u00fcckstellungen</span> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>Jubil\u00e4ums-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _39f\"> </span>Sonstige Personal-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _e3\"> </span>Summ<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 01.01.2023<span class=\"_ _7f\"> </span><span class=\"wse\">6.135<span class=\"_ _128\"> </span>2.876<span class=\"_ _144\"> </span>9.011<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _1bd\"> </span><span class=\"ff2\">239<span class=\"_ _99\"> </span>120<span class=\"_ _13c\"> </span>359</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f1\"> </span><span class=\"ff2\">494<span class=\"_ _103\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9a\"> </span></span>494</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _298\"> </span>\u2212105<span class=\"_ _103\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span>\u2212105   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _2b\"> </span><span class=\"ff2\">339<span class=\"_ _1cc\"> </span>385<span class=\"_ _9a\"> </span>724</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _1d1\"> </span><span class=\"ff2\">204<span class=\"_ _99\"> </span>165<span class=\"_ _9a\"> </span>369<span class=\"_ _39f\"> </span></span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _299\"> </span>\u2212483<span class=\"_ _1e3\"> </span>\u221230<span class=\"_ _e7\"> </span>\u2212513   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 31.12.2023<span class=\"_ _7f\"> </span><span class=\"wse\">6.823<span class=\"_ _128\"> </span>3.516<span class=\"_ _e2\"> </span>10.339<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _1bd\"> </span><span class=\"ff2\">230<span class=\"_ _99\"> </span>124<span class=\"_ _13c\"> </span>354</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f1\"> </span><span class=\"ff2\">567<span class=\"_ _103\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9a\"> </span></span>567</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+) <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>9<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>9   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _39f\"> </span>443<span class=\"_ _99\"> </span>201<span class=\"_ _9a\"> </span>644   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _39f\"> </span>39<span class=\"_ _99\"> </span>185<span class=\"_ _9a\"> </span>224<span class=\"_ _39f\"> </span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _299\"> </span>\u2212583<span class=\"_ _1e3\"> </span>\u221212<span class=\"_ _e7\"> </span>\u2212595   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 31.12.2024<span class=\"_ _7f\"> </span><span class=\"wse\">7.528<span class=\"_ _128\"> </span>4.014<span class=\"_ _e2\"> </span>11.542<span class=\"_ _39f\"> </span></span>Der in der G<span class=\"_ _2\"></span>ewinn- und V<span class=\"_ _9\"></span>erlustrechnung enthaltene Aufwan<span class=\"_ _2\"></span>d f\u00fcr Abfer<span class=\"_ _3\"></span>tigungen, Pensionen, J<span class=\"_ _2\"></span>ubil\u00e4umsgelder und sonstige Per<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sonalr\u00fcckstellungen wird bis auf <span class=\"_ _2\"></span>den Zinsaufwan<span class=\"_ _2\"></span>d, welcher <span class=\"_ _2\"></span>im Zinsergebnis dargestellt wird<span class=\"_ _2\"></span>, im Personalaufwand a<span class=\"_ _2\"></span>usgewiesen. V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>sicherungsmathematische Gewinne <span class=\"_ _2\"></span>und V<span class=\"_ _9\"></span>erluste f\u00fcr Abfer<span class=\"_ _3\"></span>tigungen und Pensionen werden im sonstigen Ergebnis ausgewiesen und basieren zur G\u00e4nze auf er<span class=\"_ _3\"></span>fahrungsbeding<span class=\"_ _2\"></span>ten An<span class=\"_ _2\"></span>passungen und \u00c4nderungen versicherung<span class=\"_ _2\"></span>smathematischer Annahmen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">c <span class=\"lse\">\u00dcberblick langfristige</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> </span> </span>Personalr\u00fcckstellung<span class=\"_ _9\"></span>en<span class=\"ws1\"> 2020\u20132024</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _ad\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _b6\"> </span>31.12.2022<span class=\"_ _b6\"> </span>31.12.2021<span class=\"_ _b6\"> </span>31.12.2020<span class=\"_ _39f\"> </span></span>Pensionsr\u00fcckstellungen<span class=\"_ _ce\"> </span><span class=\"ff2\">38.877<span class=\"_ _10d\"> </span>35.634<span class=\"_ _9a\"> </span>31.987<span class=\"_ _10d\"> </span>45.554<span class=\"_ _13c\"> </span>49.062<span class=\"_ _39f\"> </span></span>Abfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen<span class=\"_ _1b4\"> </span><span class=\"ff2\">18.441<span class=\"_ _13c\"> </span>17.476<span class=\"_ _13c\"> </span>15.652<span class=\"_ _10d\"> </span>20.856<span class=\"_ _13c\"> </span>22.533<span class=\"_ _39f\"> </span></span>Jubil\u00e4umsr\u00fcckstellungen<span class=\"_ _83\"> </span><span class=\"ff2\">7.528<span class=\"_ _fd\"> </span>6.823<span class=\"_ _fd\"> </span>6.135<span class=\"_ _fd\"> </span>8.776<span class=\"_ _fd\"> </span>8.886<span class=\"_ _39f\"> </span></span>Sonstige Personalr\u00fcckstellungen<span class=\"_ _29a\"> </span><span class=\"ff2\">4.014<span class=\"_ _fd\"> </span>3.516<span class=\"_ _fd\"> </span>2.876<span class=\"_ _fd\"> </span>4.510<span class=\"_ _fd\"> </span>4.529<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _29b\"> </span>68.860<span class=\"_ _113\"> </span>63.448<span class=\"_ _113\"> </span>56.650<span class=\"_ _113\"> </span>79.696<span class=\"_ _113\"> </span>85.010<span class=\"_ _39f\"> </span>Die g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hsch<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n (D<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Ba<span class=\"_ _2\"></span>nkb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t im Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>33 Jahr<span class=\"_ _2\"></span>e (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>24 Jah<span class=\"_ _2\"></span>re<span class=\"_ _9\"></span>), f<span class=\"_ _2\"></span>\u00fcr Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>0,92 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>0,69 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re) und f<span class=\"_ _2\"></span>\u00fcr Ster<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>quar<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>le 16,<span class=\"_ _2\"></span>83 Ja<span class=\"_ _2\"></span>hre (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>,01 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re). F\u00fcr die b<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>fre<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie D<span class=\"_ _2\"></span>ura<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>im Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,7<span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre) und f<span class=\"_ _2\"></span>\u00fcr Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6,43 J<span class=\"_ _2\"></span>ahre). F\u00fcr die <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>zum P<span class=\"_ _2\"></span>lan e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den Perso<span class=\"_ _2\"></span>nalr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zum Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, zum <span class=\"_ _2\"></span>Pensio<span class=\"_ _2\"></span>nsant<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>salt<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, zur L<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>zur F<span class=\"_ _2\"></span>luk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ua<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tions<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>te und <span class=\"_ _2\"></span>zu k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Reg<span class=\"_ _2\"></span>elung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die schr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>weise <span class=\"_ _2\"></span>Angl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Pens<span class=\"_ _2\"></span>ionsa<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>s von <span class=\"_ _2\"></span>M\u00e4nn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Fra<span class=\"_ _2\"></span>uen <span class=\"_ _2\"></span>auf 65 <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">d <span class=\"lse\">Ver<span class=\"_ _9\"></span>sicherungsmathematische Annahmen f\u00fcr den Bankbereich</span></span><span class=\"ls2 ws1\"><span class=\"lse\"><span class=\"_ _193\"> </span><span class=\"wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span></span></span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Pensionen<span class=\"_ _20c\"> </span>3,45 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>3,49 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _195\"> </span>3,37 %<span class=\"_ _114\"> </span>3,47 %<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Jubli<span class=\"_ _2\"></span>l\u00e4umsgelder<span class=\"_ _227\"> </span>3,56 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>3,55 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Sterbequar<span class=\"_ _2\"></span>tale<span class=\"_ _36\"> </span>3,60 %<span class=\"_ _59\"> </span>3,59 %<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _285\"> </span>3,43 %<span class=\"_ _114\"> </span>3,09 %<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _1f8\"> </span>2,95 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>2,62 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _1c1\"> </span>10,77 <span class=\"_ _2\"></span>%<span class=\"_ _144\"> </span>11,05 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _29c\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _90\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _224\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _12b\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _294\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _cf\"> </span>AV\u00d6 2018<span class=\"_ _39f\"> </span></span>F\u00fcr die <span class=\"_ _2\"></span>Abzins<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Pensi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n, A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Ju<span class=\"_ _2\"></span>bil\u00e4u<span class=\"_ _2\"></span>msgel<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>und Ste<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>equa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>abweic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H sow<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>er Mayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch zu<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t andere versicherungsmathematische Annahmen.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">e <span class=\"lse\">V<span class=\"_ _9\"></span>ersicherungsmathematische Annahmen</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> <span class=\"ls2\"> </span></span></span>f\u00fcr den bankfremden Bereich 2024<span class=\"_ _39f\"> </span>Mayrhofner Bergbahnen Silvretta Montafon<span class=\"_ _39f\"> </span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _29d\"> </span>3,13 %<span class=\"_ _93\"> </span>3,34 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _29e\"> </span>3,84 %<span class=\"_ _93\"> </span>3,70 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _248\"> </span>3,34 %<span class=\"_ _93\"> </span>3,20 %<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _29f\"> </span>10,00 %<span class=\"_ _122\"> </span>13,67 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _212\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _59\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _20d\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _91\"> </span>65 J<span class=\"_ _2\"></span>ahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _2a0\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _d8\"> </span>A<span class=\"_ _9\"></span>V\u00d6 2018<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>ersicherungsmathematische Annahmen <span class=\"ls2\"> </span>f\u00fcr den bankfremden Bereich 2023<span class=\"_ _39f\"> </span>Mayrhofner Bergbahnen Silvretta Montafon<span class=\"_ _39f\"> </span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _29d\"> </span>3,94 %<span class=\"_ _93\"> </span>4,04 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _29e\"> </span>3,30 %<span class=\"_ _93\"> </span>3,25 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _248\"> </span>2,80 %<span class=\"_ _93\"> </span>2,75 %<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _29f\"> </span>10,00 %<span class=\"_ _122\"> </span>11,00 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _212\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _59\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _20d\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _91\"> </span>65 J<span class=\"_ _2\"></span>ahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _2a0\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _d8\"> </span>A<span class=\"_ _9\"></span>V\u00d6 2018<span class=\"_ _39f\"> </span></span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ausg<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsr<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>angl<span class=\"_ _2\"></span>ebig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keitsr<span class=\"_ _2\"></span>isiko und Ge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>srisiko.<span class=\"_ _39f\"> </span>Zins\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Ein R\u00fcc<span class=\"_ _2\"></span>kg<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>es Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Verpfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng.<span class=\"_ _39f\"> </span>Lang<span class=\"_ _2\"></span>lebigkeit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ste<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>\u00fcnst<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine Zu<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Leb<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tung f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Verpfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng.<span class=\"_ _39f\"> </span>Gehal<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>eh\u00e4l<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tig<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>omit f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>itn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hung de<span class=\"_ _2\"></span>r Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Bei ei<span class=\"_ _2\"></span>ner \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung des Rechn<span class=\"_ _2\"></span>ungsz<span class=\"_ _2\"></span>inssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, eine<span class=\"_ _2\"></span>r \u00c4nde<span class=\"_ _2\"></span>rung um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. bei der Ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tss<span class=\"_ _2\"></span>teig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung sowie eine<span class=\"_ _2\"></span>r \u00c4nde<span class=\"_ _2\"></span>rung um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. bei der Rent<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>teige<span class=\"_ _2\"></span>rung w\u00fc<span class=\"_ _2\"></span>rden sic<span class=\"_ _2\"></span>h die R\u00fcck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge bei Gl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ble<span class=\"_ _2\"></span>iben all<span class=\"_ _2\"></span>er \u00fcbr<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span> Parameter <span class=\"_ _9\"></span>folgenderma<span class=\"_ _9\"></span>\u00dfen en<span class=\"_ _9\"></span>twickeln:<span class=\"_ _39f\"> </span>15<span class=\"ws1\">f Sensitivit\u00e4tsanalyse 2024</span><span class=\"ws1\"><span class=\"ls2 ws43\">  </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2a1\"> </span><span class=\"fs6 lse wse\">Rechnungszinssatz<span class=\"_ _ea\"> </span>Gehaltssteigerung<span class=\"_ _1e2\"> </span><span class=\"ls7e ws90\">Rentensteigerung<span class=\"_ _39f\"> </span></span></span>\u22120,50 %<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>+0,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _39f\"> </span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1ec\"> </span><span class=\"ff2\">19.297<span class=\"_ _127\"> </span>17.646<span class=\"_ _127\"> </span>17.643<span class=\"_ _127\"> </span>19.293<span class=\"_ _d3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _11b\"> </span>0<span class=\"_ _39f\"> </span></span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _35\"> </span><span class=\"ff2 lse wse\">41.025<span class=\"_ _127\"> </span>36.929<span class=\"_ _127\"> </span>38.805<span class=\"_ _127\"> </span>38.951<span class=\"_ _11a\"> </span>37.051<span class=\"_ _127\"> </span>40.865<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _2a2\"> </span><span class=\"ff2\">4.366<span class=\"_ _128\"> </span>3.702<span class=\"_ _128\"> </span>3.992<span class=\"_ _128\"> </span>4.038<span class=\"_ _128\"> </span>3.739<span class=\"_ _128\"> </span>4.322<span class=\"_ _39f\"> </span></span>Sensitivit\u00e4tsanalyse 2023<span class=\"ls2 ws43\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2a1\"> </span><span class=\"fs6 lse wse\">Rechnungszinssatz<span class=\"_ _ea\"> </span>Gehaltssteigerung<span class=\"_ _1e2\"> </span><span class=\"ls7e ws90\">Rentensteigerung<span class=\"_ _39f\"> </span></span></span>\u22120,50 %<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>+0,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _39f\"> </span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1ec\"> </span><span class=\"ff2\">18.281<span class=\"_ _127\"> </span>16.726<span class=\"_ _127\"> </span>16.721<span class=\"_ _127\"> </span>18.281<span class=\"_ _d3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _11b\"> </span>0<span class=\"_ _39f\"> </span></span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _35\"> </span><span class=\"ff2 lse wse\">37.556<span class=\"_ _127\"> </span>33.889<span class=\"_ _127\"> </span>35.566<span class=\"_ _127\"> </span>35.707<span class=\"_ _11a\"> </span>33.996<span class=\"_ _127\"> </span>37.416<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _2a2\"> </span><span class=\"ff2\">3.828<span class=\"_ _128\"> </span>3.240<span class=\"_ _128\"> </span>3.497<span class=\"_ _128\"> </span>3.536<span class=\"_ _128\"> </span>3.271<span class=\"_ _128\"> </span>3.790<span class=\"_ _39f\"> </span></span>Das F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l de<span class=\"_ _2\"></span>r zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sausz<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n Per<span class=\"_ _2\"></span>sona<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>et s<span class=\"_ _2\"></span>ich f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>2025 <span class=\"_ _2\"></span>bis 2<span class=\"_ _2\"></span>029 wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">g </span><span class=\"ff6f9\">F\u00e4lligkeitsprofil der zu er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>tenden</span><span class=\"ff6f9\"> </span><span class=\"ls2 ws1\"> </span>Leistungsauszahlungen<span class=\"ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1e4\"> </span><span class=\"fs6 lse wse\">2025<span class=\"_ _138\"> </span>2026<span class=\"_ _128\"> </span>2027<span class=\"_ _128\"> </span>2028<span class=\"_ _138\"> </span>2029<span class=\"_ _125\"> </span>Summe<span class=\"_ _39f\"> </span></span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1a2\"> </span><span class=\"ff2\">1.273<span class=\"_ _128\"> </span>1.315<span class=\"_ _128\"> </span>1.167<span class=\"_ _128\"> </span>1.279<span class=\"_ _128\"> </span>1.525<span class=\"_ _128\"> </span>6.559<span class=\"_ _39f\"> </span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _2a3\"> </span><span class=\"ff2 lse wse\">3.343<span class=\"_ _128\"> </span>3.050<span class=\"_ _128\"> </span>2.802<span class=\"_ _128\"> </span>2.584<span class=\"_ _128\"> </span>2.377<span class=\"_ _127\"> </span>14.156<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _277\"> </span><span class=\"ff2\">157<span class=\"_ _122\"> </span>177<span class=\"_ _122\"> </span>201<span class=\"_ _122\"> </span>228<span class=\"_ _122\"> </span>258<span class=\"_ _138\"> </span>1.021<span class=\"_ _39f\"> </span></span>15h Sonstige <span class=\"ls2\"> </span>R\u00fcckstellungen<span class=\"ls2 ws1\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _d\"> </span>Zuf\u00fchrung<span class=\"_ _63\"> </span><span class=\"ff6f9\">Aufl\u00f6sung<span class=\"_ _21\"> </span></span>V<span class=\"_ _4\"></span>erbrauch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"ls2 ws1\"> </span>umrech-<span class=\"ls2 ws1\"> </span>nung<span class=\"_ _39f\"> </span>Umglie-<span class=\"ls2 ws1\"> </span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 31.12.2024<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/nicht ausgen\u00fctzte Rahmen Stufe 1 <span class=\"_ _2\"></span>und 2<span class=\"_ _39f\"> </span>58.290<span class=\"_ _12d\"> </span>34.278<span class=\"_ _f1\"> </span><span class=\"ff4\">\u221246.732<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span><span class=\"ff4\">\u22125.768<span class=\"_ _f4\"> </span></span>40.068<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>16.182<span class=\"_ _114\"> </span>6.294<span class=\"_ _f1\"> </span><span class=\"ff4\">\u221212.828<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221210<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>9.638<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Sons<span class=\"_ _2\"></span>tiges<span class=\"_ _cc\"> </span><span class=\"ff2\">56.495<span class=\"_ _144\"> </span>11.305<span class=\"_ _e0\"> </span></span>\u221229.551<span class=\"_ _f4\"> </span>\u22125.198<span class=\"_ _6d\"> </span>\u22122<span class=\"_ _99\"> </span><span class=\"ff2\">3.064<span class=\"_ _145\"> </span>36.113<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _105\"> </span><span class=\"wse\">130.967<span class=\"_ _112\"> </span>51.877<span class=\"_ _115\"> </span><span class=\"ff6f9\">\u221289.111<span class=\"_ _13d\"> </span>\u22125.198<span class=\"_ _fe\"> </span>\u221212<span class=\"_ _13d\"> </span>\u22122.704<span class=\"_ _13d\"> </span></span>85.819<span class=\"_ _39f\"> </span></span>Sonstige <span class=\"ls2 ws1\"> </span>R\u00fcckstellungen<span class=\"ls2 ws1\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _b\"> </span>Z<span class=\"_ _9\"></span>uf\u00fchrung<span class=\"_ _f7\"> </span><span class=\"ff6f9\">Aufl\u00f6sung<span class=\"_ _21\"> </span></span>V<span class=\"_ _4\"></span>erbrauch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"ls2 ws1\"> </span>umrech-<span class=\"ls2 ws1\"> </span>nung<span class=\"_ _39f\"> </span>Umglie-<span class=\"ls2 ws1\"> </span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 31.12.2023<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/nicht ausgen\u00fctzte Rahmen Stufe 1 <span class=\"_ _2\"></span>und 2<span class=\"_ _39f\"> </span>73.410<span class=\"_ _106\"> </span>34.001<span class=\"_ _fa\"> </span><span class=\"ff4\">\u221237.187<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221211.934<span class=\"_ _145\"> </span></span>58.290<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>18.399<span class=\"_ _106\"> </span>12.194<span class=\"_ _fa\"> </span><span class=\"ff4\">\u221213.032<span class=\"_ _92\"> </span>\u2212195<span class=\"_ _61\"> </span></span>39<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22121.223<span class=\"_ _145\"> </span></span>16.182<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Sons<span class=\"_ _2\"></span>tiges<span class=\"_ _102\"> </span><span class=\"ff2\">39.766<span class=\"_ _9a\"> </span>6.426<span class=\"_ _b9\"> </span></span>\u22121.339<span class=\"_ _f4\"> </span>\u22121.396<span class=\"_ _de\"> </span><span class=\"ff2\">11<span class=\"_ _f4\"> </span>13.027<span class=\"_ _145\"> </span>56.495<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _de\"> </span><span class=\"wse\">131.575<span class=\"_ _158\"> </span>52.621<span class=\"_ _f0\"> </span><span class=\"ff6f9\">\u221251.558<span class=\"_ _13d\"> </span>\u22121.591<span class=\"_ _183\"> </span></span>50<span class=\"_ _99\"> </span><span class=\"ff6f9\">\u2212130<span class=\"_ _97\"> </span></span>130.967<span class=\"_ _39f\"> </span></span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>37 f\u00fcr <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>he o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verpflic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>ns g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Bil<span class=\"_ _2\"></span>anzpo<span class=\"_ _2\"></span>sitio<span class=\"_ _2\"></span>n im Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n, Recht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Abg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r Verbr<span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>r Wahrsc<span class=\"_ _2\"></span>hein<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n komme<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-541": {
   "value": "15 R\u00fcckstellungen<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _295\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _1c6\"> </span><span class=\"ff2\">68.860<span class=\"_ _145\"> </span>63.448<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _296\"> </span><span class=\"ff2\">85.819<span class=\"_ _12b\"> </span>130.967<span class=\"_ _39f\"> </span></span>R\u00fcckstellungen<span class=\"_ _285\"> </span>154.679<span class=\"_ _97\"> </span>194.415<span class=\"_ _39f\"> </span>Pensionsr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _39f\"> </span>Den <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t li<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Koll<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>tiv<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>ref<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>nd N<span class=\"_ _2\"></span>eur<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hte zug<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>. Vom Gel<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h sin<span class=\"_ _2\"></span>d all<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>\u00d6st<span class=\"_ _2\"></span>err<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>em K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>f\u00fcr Banke<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Ba<span class=\"_ _2\"></span>nkie<span class=\"_ _2\"></span>rs <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>und vor <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>1. J\u00e4nne<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 ei<span class=\"_ _2\"></span>ngetr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ag r<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>t Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen und A<span class=\"_ _2\"></span>nwar<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f Be<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lspe<span class=\"_ _2\"></span>nsion<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsio<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>zeitig<span class=\"_ _2\"></span>e Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion<span class=\"_ _2\"></span>, Ad<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tiv<span class=\"_ _2\"></span>pen<span class=\"_ _2\"></span>sion<span class=\"_ _2\"></span>, Sozialz<span class=\"_ _2\"></span>ulage<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>fl<span class=\"_ _2\"></span>egeg<span class=\"_ _2\"></span>eldzu<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss. <span class=\"_ _2\"></span>F\u00fcr die <span class=\"_ _2\"></span>Hin<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>blie<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en fi<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n \u00fcb<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>lieb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>npe<span class=\"_ _2\"></span>n<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sione<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>Wit<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span>-, <span class=\"_ _2\"></span>Wit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r- und Waisenp<span class=\"_ _2\"></span>ensio<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>fle<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>ldzus<span class=\"_ _2\"></span>chuss<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>n-/<span class=\"_ _3\"></span>Wi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>findung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Ster<span class=\"_ _2\"></span>bequ<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rmit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n ne<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Anwa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en ab<span class=\"_ _2\"></span>gebi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Mi<span class=\"_ _2\"></span>t J<span class=\"_ _2\"></span>\u00e4nne<span class=\"_ _2\"></span>r 20<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 wurd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e Anw<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>zeitig<span class=\"_ _2\"></span>e Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsione<span class=\"_ _2\"></span>n in<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>. da<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>f ba<span class=\"_ _2\"></span>siere<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>bli<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n die V<span class=\"_ _2\"></span>BV-<span class=\"_ _2\"></span>Pension<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>asse \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sil<span class=\"_ _2\"></span>vre<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ta <span class=\"_ _2\"></span>Mont<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>on H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing Gm<span class=\"_ _2\"></span>bH <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>yrh<span class=\"_ _2\"></span>ofn<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>bahne<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _3\"></span>ten b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h na<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m Einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd ihren Mitar<span class=\"_ _2\"></span>beiter*inne<span class=\"_ _2\"></span>n vereinbar<span class=\"_ _2\"></span>ten Leistungen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Abfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sr\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _39f\"> </span>F\u00fcr all<span class=\"_ _2\"></span>e Mi<span class=\"_ _2\"></span>tar<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>\u00d6ste<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Di<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>vor de<span class=\"_ _2\"></span>m 1. J\u00e4nn<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>03 b<span class=\"_ _2\"></span>egon<span class=\"_ _2\"></span>nen hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>tenge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w. Arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>bfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zes <span class=\"_ _2\"></span>ein A<span class=\"_ _2\"></span>nspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f Ab<span class=\"_ _2\"></span>fer<span class=\"_ _3\"></span>ti<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>ei Vorlieg<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>een<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>r\u00fcn<span class=\"_ _2\"></span>de zu<span class=\"_ _2\"></span>r Ausz<span class=\"_ _2\"></span>ahlung <span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>F\u00fcr a<span class=\"_ _2\"></span>lle a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4ltni<span class=\"_ _2\"></span>sse bez<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>immung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>MSVG B<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>e Vorsorg<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us b<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>ht n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Koll<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>tiv<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>s ein <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>uch a<span class=\"_ _2\"></span>uf z<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>i zus<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>he Mo<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ntge<span class=\"_ _2\"></span>lte Abf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn d<span class=\"_ _2\"></span>as D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>h\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r als <span class=\"_ _2\"></span>5 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hat un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ng ode<span class=\"_ _2\"></span>r me<span class=\"_ _2\"></span>hr als 1<span class=\"_ _9\"></span>5 Ja<span class=\"_ _2\"></span>hre un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>chna<span class=\"_ _2\"></span>hme e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Al<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion <span class=\"_ _2\"></span>bzw. B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>nsion <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>schie<span class=\"_ _2\"></span>d zur <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>kolle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>pru<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _3\"></span>verh<span class=\"_ _2\"></span>\u00e4lt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m <span class=\"ff2 ls2 ws1\"> </span>31<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>20<span class=\"_ _3\"></span>02 bego<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>hab<span class=\"_ _2\"></span>en bz<span class=\"_ _2\"></span>w. in Zuk<span class=\"_ _2\"></span>unf<span class=\"_ _3\"></span>t b<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Zud<span class=\"_ _2\"></span>em b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Pens<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ka<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>olle<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr ang<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellte <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m 31<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>zembe<span class=\"_ _2\"></span>r 1<span class=\"_ _9\"></span>99<span class=\"_ _2\"></span>6 ei<span class=\"_ _2\"></span>nget<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Dien<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ber<span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>digu<span class=\"_ _2\"></span>ng ei<span class=\"_ _2\"></span>n zus<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>ruc<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f 3 M<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ntg<span class=\"_ _2\"></span>elte <span class=\"_ _2\"></span>(2<span class=\"_ _2\"></span>0 D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>tja<span class=\"_ _2\"></span>hre) bzw. 4 Mo<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>lte (<span class=\"_ _2\"></span>25 <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>jahr<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>). F\u00fcr d<span class=\"_ _2\"></span>ie Mit<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>and un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>hweiz b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>zur B<span class=\"_ _2\"></span>ildu<span class=\"_ _2\"></span>ng von A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">a <span class=\"lse\">Personalr\u00fcckstellungen f\u00fcr Leistungen nach Beendigung</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> </span> </span>des Arbeitsverh\u00e4ltnisses: Leistungsorientierte Pl\u00e4ne<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Pensions-<span class=\"ls2 ws1\"> </span>r\u00fcckstell.<span class=\"_ _39f\"> </span>Abf<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _e3\"> </span>Summ<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 01.01.2023<span class=\"_ _14\"> </span><span class=\"wse\">31.987<span class=\"_ _ea\"> </span>15.652<span class=\"_ _e2\"> </span>47.639<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _249\"> </span><span class=\"ff2\">1.276<span class=\"_ _99\"> </span>616<span class=\"_ _98\"> </span>1.892</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f0\"> </span><span class=\"ff2\">39<span class=\"_ _99\"> </span>609<span class=\"_ _9a\"> </span>648<span class=\"_ _39f\"> </span></span>Im sonstigen Ergebnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fasst   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _23f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _33\"> </span><span class=\"ff2\">2.503<span class=\"_ _12e\"> </span>1.027<span class=\"_ _1ce\"> </span>3.530</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _19a\"> </span><span class=\"ff2\">3.003<span class=\"_ _99\"> </span>956<span class=\"_ _1ce\"> </span>3.959<span class=\"_ _39f\"> </span></span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _198\"> </span>\u22123.174<span class=\"_ _b9\"> </span>\u22121.384<span class=\"_ _df\"> </span>\u22124.558   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 31.12.2023<span class=\"_ _14\"> </span><span class=\"wse\">35.634<span class=\"_ _ea\"> </span>17.476<span class=\"_ _e2\"> </span>53.110<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _249\"> </span><span class=\"ff2\">1.196<span class=\"_ _99\"> </span>597<span class=\"_ _98\"> </span>1.793</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f0\"> </span><span class=\"ff2\">46<span class=\"_ _99\"> </span>701<span class=\"_ _9a\"> </span>747<span class=\"_ _39f\"> </span></span>Im sonstigen Ergebnis e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fasst   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+) <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _39f\"> </span>2.133<span class=\"_ _99\"> </span>848<span class=\"_ _1ce\"> </span>2.981   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _39f\"> </span>3.226<span class=\"_ _12e\"> </span>1.121<span class=\"_ _1ce\"> </span>4.347<span class=\"_ _39f\"> </span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _198\"> </span>\u22123.358<span class=\"_ _b9\"> </span>\u22122.302<span class=\"_ _df\"> </span>\u22125.660   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Pensions- und A<span class=\"_ _9\"></span>bfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen zum 31.12.2024<span class=\"_ _14\"> </span><span class=\"wse\">38.877<span class=\"_ _ea\"> </span>18.441<span class=\"_ _e2\"> </span>57.318<span class=\"_ _39f\"> </span></span>15<span class=\"ls2 ws1\">b <span class=\"lse\">Andere langfristige Personalr\u00fcckstellungen</span> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>Jubil\u00e4ums-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _39f\"> </span>Sonstige Personal-<span class=\"_ _39f\"> </span>r\u00fcckstell.<span class=\"_ _e3\"> </span>Summ<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 01.01.2023<span class=\"_ _7f\"> </span><span class=\"wse\">6.135<span class=\"_ _128\"> </span>2.876<span class=\"_ _144\"> </span>9.011<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _1bd\"> </span><span class=\"ff2\">239<span class=\"_ _99\"> </span>120<span class=\"_ _13c\"> </span>359</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f1\"> </span><span class=\"ff2\">494<span class=\"_ _103\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9a\"> </span></span>494</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _298\"> </span>\u2212105<span class=\"_ _103\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span>\u2212105   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _2b\"> </span><span class=\"ff2\">339<span class=\"_ _1cc\"> </span>385<span class=\"_ _9a\"> </span>724</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _1d1\"> </span><span class=\"ff2\">204<span class=\"_ _99\"> </span>165<span class=\"_ _9a\"> </span>369<span class=\"_ _39f\"> </span></span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _299\"> </span>\u2212483<span class=\"_ _1e3\"> </span>\u221230<span class=\"_ _e7\"> </span>\u2212513   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 31.12.2023<span class=\"_ _7f\"> </span><span class=\"wse\">6.823<span class=\"_ _128\"> </span>3.516<span class=\"_ _e2\"> </span>10.339<span class=\"_ _39f\"> </span></span>Im Periodenergebnis er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst   <span class=\"_ _2\"></span>Zinsaufwand<span class=\"_ _1bd\"> </span><span class=\"ff2\">230<span class=\"_ _99\"> </span>124<span class=\"_ _13c\"> </span>354</span>   <span class=\"_ _2\"></span>Dienstzeitaufwand<span class=\"_ _1f1\"> </span><span class=\"ff2\">567<span class=\"_ _103\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _9a\"> </span></span>567</span>   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+) <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>aus Ver\u00e4nderungen demografischer Annahme<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>9<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>9   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen finanzieller Annahmen<span class=\"_ _39f\"> </span>443<span class=\"_ _99\"> </span>201<span class=\"_ _9a\"> </span>644   <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungsmathematischer <span class=\"_ _2\"></span>Gewinn (\u2212)/Verlust (+)    <span class=\"_ _2\"></span>aus Ver\u00e4nderungen er<span class=\"_ _2\"></span>fahrungsbeding<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Annahmen<span class=\"_ _39f\"> </span>39<span class=\"_ _99\"> </span>185<span class=\"_ _9a\"> </span>224<span class=\"_ _39f\"> </span>Sonstige   <span class=\"_ _2\"></span>Zahlungen aus den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _299\"> </span>\u2212583<span class=\"_ _1e3\"> </span>\u221212<span class=\"_ _e7\"> </span>\u2212595   <span class=\"_ _2\"></span>\u00c4nderung Konsolidier<span class=\"_ _2\"></span>ungskreis<span class=\"_ _297\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _103\"> </span>0<span class=\"_ _183\"> </span>0<span class=\"_ _39f\"> </span></span>Andere langfristige Pers<span class=\"_ _9\"></span>onalr\u00fcckstellungen zum 31.12.2024<span class=\"_ _7f\"> </span><span class=\"wse\">7.528<span class=\"_ _128\"> </span>4.014<span class=\"_ _e2\"> </span>11.542<span class=\"_ _39f\"> </span></span>Der in der G<span class=\"_ _2\"></span>ewinn- und V<span class=\"_ _9\"></span>erlustrechnung enthaltene Aufwan<span class=\"_ _2\"></span>d f\u00fcr Abfer<span class=\"_ _3\"></span>tigungen, Pensionen, J<span class=\"_ _2\"></span>ubil\u00e4umsgelder und sonstige Per<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sonalr\u00fcckstellungen wird bis auf <span class=\"_ _2\"></span>den Zinsaufwan<span class=\"_ _2\"></span>d, welcher <span class=\"_ _2\"></span>im Zinsergebnis dargestellt wird<span class=\"_ _2\"></span>, im Personalaufwand a<span class=\"_ _2\"></span>usgewiesen. V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>sicherungsmathematische Gewinne <span class=\"_ _2\"></span>und V<span class=\"_ _9\"></span>erluste f\u00fcr Abfer<span class=\"_ _3\"></span>tigungen und Pensionen werden im sonstigen Ergebnis ausgewiesen und basieren zur G\u00e4nze auf er<span class=\"_ _3\"></span>fahrungsbeding<span class=\"_ _2\"></span>ten An<span class=\"_ _2\"></span>passungen und \u00c4nderungen versicherung<span class=\"_ _2\"></span>smathematischer Annahmen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">c <span class=\"lse\">\u00dcberblick langfristige</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> </span> </span>Personalr\u00fcckstellung<span class=\"_ _9\"></span>en<span class=\"ws1\"> 2020\u20132024</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _ad\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _b6\"> </span>31.12.2022<span class=\"_ _b6\"> </span>31.12.2021<span class=\"_ _b6\"> </span>31.12.2020<span class=\"_ _39f\"> </span></span>Pensionsr\u00fcckstellungen<span class=\"_ _ce\"> </span><span class=\"ff2\">38.877<span class=\"_ _10d\"> </span>35.634<span class=\"_ _9a\"> </span>31.987<span class=\"_ _10d\"> </span>45.554<span class=\"_ _13c\"> </span>49.062<span class=\"_ _39f\"> </span></span>Abfer<span class=\"_ _2\"></span>tigungsr\u00fcckstellungen<span class=\"_ _1b4\"> </span><span class=\"ff2\">18.441<span class=\"_ _13c\"> </span>17.476<span class=\"_ _13c\"> </span>15.652<span class=\"_ _10d\"> </span>20.856<span class=\"_ _13c\"> </span>22.533<span class=\"_ _39f\"> </span></span>Jubil\u00e4umsr\u00fcckstellungen<span class=\"_ _83\"> </span><span class=\"ff2\">7.528<span class=\"_ _fd\"> </span>6.823<span class=\"_ _fd\"> </span>6.135<span class=\"_ _fd\"> </span>8.776<span class=\"_ _fd\"> </span>8.886<span class=\"_ _39f\"> </span></span>Sonstige Personalr\u00fcckstellungen<span class=\"_ _29a\"> </span><span class=\"ff2\">4.014<span class=\"_ _fd\"> </span>3.516<span class=\"_ _fd\"> </span>2.876<span class=\"_ _fd\"> </span>4.510<span class=\"_ _fd\"> </span>4.529<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _29b\"> </span>68.860<span class=\"_ _113\"> </span>63.448<span class=\"_ _113\"> </span>56.650<span class=\"_ _113\"> </span>79.696<span class=\"_ _113\"> </span>85.010<span class=\"_ _39f\"> </span>Die g<span class=\"_ _2\"></span>ewic<span class=\"_ _2\"></span>htete <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hsch<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>flich<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n (D<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Ba<span class=\"_ _2\"></span>nkb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t im Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>33 Jahr<span class=\"_ _2\"></span>e (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>24 Jah<span class=\"_ _2\"></span>re<span class=\"_ _9\"></span>), f<span class=\"_ _2\"></span>\u00fcr Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>1<span class=\"_ _9\"></span>0,92 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>0,69 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re) und f<span class=\"_ _2\"></span>\u00fcr Ster<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>quar<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>le 16,<span class=\"_ _2\"></span>83 Ja<span class=\"_ _2\"></span>hre (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>,01 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re). F\u00fcr die b<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>fre<span class=\"_ _2\"></span>mde<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie D<span class=\"_ _2\"></span>ura<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>im Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahr f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>Abf<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tigu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6 J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,7<span class=\"_ _2\"></span>2 J<span class=\"_ _2\"></span>ahre) und f<span class=\"_ _2\"></span>\u00fcr Pen<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>7<span class=\"_ _10\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4 <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6,43 J<span class=\"_ _2\"></span>ahre). F\u00fcr die <span class=\"_ _2\"></span>n\u00e4c<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>keine <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>zum P<span class=\"_ _2\"></span>lan e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den Perso<span class=\"_ _2\"></span>nalr<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>liege<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zum Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>szins<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, zum <span class=\"_ _2\"></span>Pensio<span class=\"_ _2\"></span>nsant<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>salt<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, zur L<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>zur F<span class=\"_ _2\"></span>luk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ua<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tions<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>te und <span class=\"_ _2\"></span>zu k<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ehal<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en Reg<span class=\"_ _2\"></span>elung<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die schr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>weise <span class=\"_ _2\"></span>Angl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Pens<span class=\"_ _2\"></span>ionsa<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>lter<span class=\"_ _2\"></span>s von <span class=\"_ _2\"></span>M\u00e4nn<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Fra<span class=\"_ _2\"></span>uen <span class=\"_ _2\"></span>auf 65 <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">d <span class=\"lse\">Ver<span class=\"_ _9\"></span>sicherungsmathematische Annahmen f\u00fcr den Bankbereich</span></span><span class=\"ls2 ws1\"><span class=\"lse\"><span class=\"_ _193\"> </span><span class=\"wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span></span></span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Pensionen<span class=\"_ _20c\"> </span>3,45 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>3,49 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _195\"> </span>3,37 %<span class=\"_ _114\"> </span>3,47 %<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Jubli<span class=\"_ _2\"></span>l\u00e4umsgelder<span class=\"_ _227\"> </span>3,56 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>3,55 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung Sterbequar<span class=\"_ _2\"></span>tale<span class=\"_ _36\"> </span>3,60 %<span class=\"_ _59\"> </span>3,59 %<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _285\"> </span>3,43 %<span class=\"_ _114\"> </span>3,09 %<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _1f8\"> </span>2,95 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>2,62 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _1c1\"> </span>10,77 <span class=\"_ _2\"></span>%<span class=\"_ _144\"> </span>11,05 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _29c\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _90\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _224\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _12b\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _294\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _cf\"> </span>AV\u00d6 2018<span class=\"_ _39f\"> </span></span>F\u00fcr die <span class=\"_ _2\"></span>Abzins<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Pensi<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n, A<span class=\"_ _2\"></span>bf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Ju<span class=\"_ _2\"></span>bil\u00e4u<span class=\"_ _2\"></span>msgel<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>und Ste<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>equa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r jeweilig<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>abweic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sjahr <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Silv<span class=\"_ _2\"></span>ret<span class=\"_ _3\"></span>ta M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H sow<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>er Mayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gebe<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch zu<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol un<span class=\"_ _2\"></span>d Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t andere versicherungsmathematische Annahmen.<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">e <span class=\"lse\">V<span class=\"_ _9\"></span>ersicherungsmathematische Annahmen</span></span><span class=\"ls2 ws1\"><span class=\"lse\"> <span class=\"ls2\"> </span></span></span>f\u00fcr den bankfremden Bereich 2024<span class=\"_ _39f\"> </span>Mayrhofner Bergbahnen Silvretta Montafon<span class=\"_ _39f\"> </span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _29d\"> </span>3,13 %<span class=\"_ _93\"> </span>3,34 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _29e\"> </span>3,84 %<span class=\"_ _93\"> </span>3,70 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _248\"> </span>3,34 %<span class=\"_ _93\"> </span>3,20 %<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _29f\"> </span>10,00 %<span class=\"_ _122\"> </span>13,67 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _212\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _59\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _20d\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _91\"> </span>65 J<span class=\"_ _2\"></span>ahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _2a0\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _d8\"> </span>A<span class=\"_ _9\"></span>V\u00d6 2018<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>ersicherungsmathematische Annahmen <span class=\"ls2\"> </span>f\u00fcr den bankfremden Bereich 2023<span class=\"_ _39f\"> </span>Mayrhofner Bergbahnen Silvretta Montafon<span class=\"_ _39f\"> </span>Finanzielle Annahmen<span class=\"_ _39f\"> </span>Zinssatz f\u00fcr die <span class=\"_ _2\"></span>Abzinsung<span class=\"_ _29d\"> </span>3,94 %<span class=\"_ _93\"> </span>4,04 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gehaltssteigerung<span class=\"_ _29e\"> </span>3,30 %<span class=\"_ _93\"> </span>3,25 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Pensionserh\u00f6hung<span class=\"_ _248\"> </span>2,80 %<span class=\"_ _93\"> </span>2,75 %<span class=\"_ _39f\"> </span>Fluktuationsabschlag<span class=\"_ _29f\"> </span>10,00 %<span class=\"_ _122\"> </span>11,00 %<span class=\"_ _39f\"> </span>Demografische Annahmen<span class=\"_ _39f\"> </span>Pensionsantrittsalter: weibliche Angestellte<span class=\"_ _212\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _59\"> </span>65 Jahre<span class=\"_ _39f\"> </span></span>Pensionsantrittsalter: m\u00e4nnliche Angestellte<span class=\"_ _20d\"> </span><span class=\"ff2 ws1\">65 Jahre<span class=\"_ _91\"> </span>65 J<span class=\"_ _2\"></span>ahre<span class=\"_ _39f\"> </span></span>Sterbetafel<span class=\"_ _2a0\"> </span><span class=\"lse wse\">A<span class=\"_ _4\"></span>V\u00d6 <span class=\"_ _2\"></span>2018<span class=\"_ _d8\"> </span>A<span class=\"_ _9\"></span>V\u00d6 2018<span class=\"_ _39f\"> </span></span>Der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ausg<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsr<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>angl<span class=\"_ _2\"></span>ebig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>keitsr<span class=\"_ _2\"></span>isiko und Ge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>srisiko.<span class=\"_ _39f\"> </span>Zins\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Ein R\u00fcc<span class=\"_ _2\"></span>kg<span class=\"_ _2\"></span>ang d<span class=\"_ _2\"></span>es Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Verpfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng.<span class=\"_ _39f\"> </span>Lang<span class=\"_ _2\"></span>lebigkeit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>tm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ste<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>wahr<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heinl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>\u00fcnst<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine Zu<span class=\"_ _2\"></span>nahme <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Leb<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tung f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>h\u00f6hu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Verpfli<span class=\"_ _2\"></span>chtu<span class=\"_ _2\"></span>ng.<span class=\"_ _39f\"> </span>Gehal<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>t der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is de<span class=\"_ _2\"></span>r zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>eh\u00e4l<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tig<span class=\"_ _3\"></span>ten A<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>omit f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Geh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>itn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hung de<span class=\"_ _2\"></span>r Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Bei ei<span class=\"_ _2\"></span>ner \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung des Rechn<span class=\"_ _2\"></span>ungsz<span class=\"_ _2\"></span>inssa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, eine<span class=\"_ _2\"></span>r \u00c4nde<span class=\"_ _2\"></span>rung um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. bei der Ge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tss<span class=\"_ _2\"></span>teig<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung sowie eine<span class=\"_ _2\"></span>r \u00c4nde<span class=\"_ _2\"></span>rung um +<span class=\"_ _4\"></span>/\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>50 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Pk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. bei der Rent<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>teige<span class=\"_ _2\"></span>rung w\u00fc<span class=\"_ _2\"></span>rden sic<span class=\"_ _2\"></span>h die R\u00fcck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge bei Gl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ble<span class=\"_ _2\"></span>iben all<span class=\"_ _2\"></span>er \u00fcbr<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span> Parameter <span class=\"_ _9\"></span>folgenderma<span class=\"_ _9\"></span>\u00dfen en<span class=\"_ _9\"></span>twickeln:<span class=\"_ _39f\"> </span>15<span class=\"ws1\">f Sensitivit\u00e4tsanalyse 2024</span><span class=\"ws1\"><span class=\"ls2 ws43\">  </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2a1\"> </span><span class=\"fs6 lse wse\">Rechnungszinssatz<span class=\"_ _ea\"> </span>Gehaltssteigerung<span class=\"_ _1e2\"> </span><span class=\"ls7e ws90\">Rentensteigerung<span class=\"_ _39f\"> </span></span></span>\u22120,50 %<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>+0,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _39f\"> </span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1ec\"> </span><span class=\"ff2\">19.297<span class=\"_ _127\"> </span>17.646<span class=\"_ _127\"> </span>17.643<span class=\"_ _127\"> </span>19.293<span class=\"_ _d3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _11b\"> </span>0<span class=\"_ _39f\"> </span></span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _35\"> </span><span class=\"ff2 lse wse\">41.025<span class=\"_ _127\"> </span>36.929<span class=\"_ _127\"> </span>38.805<span class=\"_ _127\"> </span>38.951<span class=\"_ _11a\"> </span>37.051<span class=\"_ _127\"> </span>40.865<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _2a2\"> </span><span class=\"ff2\">4.366<span class=\"_ _128\"> </span>3.702<span class=\"_ _128\"> </span>3.992<span class=\"_ _128\"> </span>4.038<span class=\"_ _128\"> </span>3.739<span class=\"_ _128\"> </span>4.322<span class=\"_ _39f\"> </span></span>Sensitivit\u00e4tsanalyse 2023<span class=\"ls2 ws43\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _2a1\"> </span><span class=\"fs6 lse wse\">Rechnungszinssatz<span class=\"_ _ea\"> </span>Gehaltssteigerung<span class=\"_ _1e2\"> </span><span class=\"ls7e ws90\">Rentensteigerung<span class=\"_ _39f\"> </span></span></span>\u22120,50 %<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>+0,50 <span class=\"_ _2\"></span>%<span class=\"_ _ed\"> </span>\u22120,50 <span class=\"_ _2\"></span>%<span class=\"_ _e3\"> </span>+0,50 %<span class=\"_ _39f\"> </span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1ec\"> </span><span class=\"ff2\">18.281<span class=\"_ _127\"> </span>16.726<span class=\"_ _127\"> </span>16.721<span class=\"_ _127\"> </span>18.281<span class=\"_ _d3\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _11b\"> </span>0<span class=\"_ _39f\"> </span></span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _35\"> </span><span class=\"ff2 lse wse\">37.556<span class=\"_ _127\"> </span>33.889<span class=\"_ _127\"> </span>35.566<span class=\"_ _127\"> </span>35.707<span class=\"_ _11a\"> </span>33.996<span class=\"_ _127\"> </span>37.416<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _2a2\"> </span><span class=\"ff2\">3.828<span class=\"_ _128\"> </span>3.240<span class=\"_ _128\"> </span>3.497<span class=\"_ _128\"> </span>3.536<span class=\"_ _128\"> </span>3.271<span class=\"_ _128\"> </span>3.790<span class=\"_ _39f\"> </span></span>Das F<span class=\"_ _2\"></span>\u00e4llig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l de<span class=\"_ _2\"></span>r zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sausz<span class=\"_ _2\"></span>ahl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n Per<span class=\"_ _2\"></span>sona<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>et s<span class=\"_ _2\"></span>ich f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tsj<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>2025 <span class=\"_ _2\"></span>bis 2<span class=\"_ _2\"></span>029 wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>15<span class=\"ls2 ws1\">g </span><span class=\"ff6f9\">F\u00e4lligkeitsprofil der zu er<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>tenden</span><span class=\"ff6f9\"> </span><span class=\"ls2 ws1\"> </span>Leistungsauszahlungen<span class=\"ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1e4\"> </span><span class=\"fs6 lse wse\">2025<span class=\"_ _138\"> </span>2026<span class=\"_ _128\"> </span>2027<span class=\"_ _128\"> </span>2028<span class=\"_ _138\"> </span>2029<span class=\"_ _125\"> </span>Summe<span class=\"_ _39f\"> </span></span>Abfer<span class=\"_ _2\"></span>tigungen<span class=\"_ _1a2\"> </span><span class=\"ff2\">1.273<span class=\"_ _128\"> </span>1.315<span class=\"_ _128\"> </span>1.167<span class=\"_ _128\"> </span>1.279<span class=\"_ _128\"> </span>1.525<span class=\"_ _128\"> </span>6.559<span class=\"_ _39f\"> </span></span>Pensi<span class=\"_ _9\"></span>onen<span class=\"_ _2a3\"> </span><span class=\"ff2 lse wse\">3.343<span class=\"_ _128\"> </span>3.050<span class=\"_ _128\"> </span>2.802<span class=\"_ _128\"> </span>2.584<span class=\"_ _128\"> </span>2.377<span class=\"_ _127\"> </span>14.156<span class=\"_ _39f\"> </span></span>Sterbequart<span class=\"_ _2\"></span>ale<span class=\"_ _277\"> </span><span class=\"ff2\">157<span class=\"_ _122\"> </span>177<span class=\"_ _122\"> </span>201<span class=\"_ _122\"> </span>228<span class=\"_ _122\"> </span>258<span class=\"_ _138\"> </span>1.021<span class=\"_ _39f\"> </span></span>15h Sonstige <span class=\"ls2\"> </span>R\u00fcckstellungen<span class=\"ls2 ws1\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2024<span class=\"_ _d\"> </span>Zuf\u00fchrung<span class=\"_ _63\"> </span><span class=\"ff6f9\">Aufl\u00f6sung<span class=\"_ _21\"> </span></span>V<span class=\"_ _4\"></span>erbrauch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"ls2 ws1\"> </span>umrech-<span class=\"ls2 ws1\"> </span>nung<span class=\"_ _39f\"> </span>Umglie-<span class=\"ls2 ws1\"> </span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 31.12.2024<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/nicht ausgen\u00fctzte Rahmen Stufe 1 <span class=\"_ _2\"></span>und 2<span class=\"_ _39f\"> </span>58.290<span class=\"_ _12d\"> </span>34.278<span class=\"_ _f1\"> </span><span class=\"ff4\">\u221246.732<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _f4\"> </span></span><span class=\"ff4\">\u22125.768<span class=\"_ _f4\"> </span></span>40.068<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>16.182<span class=\"_ _114\"> </span>6.294<span class=\"_ _f1\"> </span><span class=\"ff4\">\u221212.828<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span><span class=\"ff4\">\u221210<span class=\"_ _88\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>9.638<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Sons<span class=\"_ _2\"></span>tiges<span class=\"_ _cc\"> </span><span class=\"ff2\">56.495<span class=\"_ _144\"> </span>11.305<span class=\"_ _e0\"> </span></span>\u221229.551<span class=\"_ _f4\"> </span>\u22125.198<span class=\"_ _6d\"> </span>\u22122<span class=\"_ _99\"> </span><span class=\"ff2\">3.064<span class=\"_ _145\"> </span>36.113<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _105\"> </span><span class=\"wse\">130.967<span class=\"_ _112\"> </span>51.877<span class=\"_ _115\"> </span><span class=\"ff6f9\">\u221289.111<span class=\"_ _13d\"> </span>\u22125.198<span class=\"_ _fe\"> </span>\u221212<span class=\"_ _13d\"> </span>\u22122.704<span class=\"_ _13d\"> </span></span>85.819<span class=\"_ _39f\"> </span></span>Sonstige <span class=\"ls2 ws1\"> </span>R\u00fcckstellungen<span class=\"ls2 ws1\">  </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 01.01.2023<span class=\"_ _b\"> </span>Z<span class=\"_ _9\"></span>uf\u00fchrung<span class=\"_ _f7\"> </span><span class=\"ff6f9\">Aufl\u00f6sung<span class=\"_ _21\"> </span></span>V<span class=\"_ _4\"></span>erbrauch<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"ls2 ws1\"> </span>umrech-<span class=\"ls2 ws1\"> </span>nung<span class=\"_ _39f\"> </span>Umglie-<span class=\"ls2 ws1\"> </span>derung<span class=\"_ _39f\"> </span>Stan<span class=\"_ _2\"></span>d 31.12.2023<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/nicht ausgen\u00fctzte Rahmen Stufe 1 <span class=\"_ _2\"></span>und 2<span class=\"_ _39f\"> </span>73.410<span class=\"_ _106\"> </span>34.001<span class=\"_ _fa\"> </span><span class=\"ff4\">\u221237.187<span class=\"_ _cc\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _e1\"> </span></span><span class=\"ff4\">\u221211.934<span class=\"_ _145\"> </span></span>58.290<span class=\"_ _39f\"> </span>R\u00fcckstellungen Garantien/<span class=\"_ _39f\"> </span>nicht ausgen\u00fctzte Rahmen Stufe <span class=\"_ _2\"></span>3<span class=\"_ _39f\"> </span>18.399<span class=\"_ _106\"> </span>12.194<span class=\"_ _fa\"> </span><span class=\"ff4\">\u221213.032<span class=\"_ _92\"> </span>\u2212195<span class=\"_ _61\"> </span></span>39<span class=\"_ _f4\"> </span><span class=\"ff4\">\u22121.223<span class=\"_ _145\"> </span></span>16.182<span class=\"_ _39f\"> </span>R\u00fcckstellungen f\u00fcr Sons<span class=\"_ _2\"></span>tiges<span class=\"_ _102\"> </span><span class=\"ff2\">39.766<span class=\"_ _9a\"> </span>6.426<span class=\"_ _b9\"> </span></span>\u22121.339<span class=\"_ _f4\"> </span>\u22121.396<span class=\"_ _de\"> </span><span class=\"ff2\">11<span class=\"_ _f4\"> </span>13.027<span class=\"_ _145\"> </span>56.495<span class=\"_ _39f\"> </span></span>Sonstige R\u00fcckstellungen<span class=\"_ _de\"> </span><span class=\"wse\">131.575<span class=\"_ _158\"> </span>52.621<span class=\"_ _f0\"> </span><span class=\"ff6f9\">\u221251.558<span class=\"_ _13d\"> </span>\u22121.591<span class=\"_ _183\"> </span></span>50<span class=\"_ _99\"> </span><span class=\"ff6f9\">\u2212130<span class=\"_ _97\"> </span></span>130.967<span class=\"_ _39f\"> </span></span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df <span class=\"_ _2\"></span>IA<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>37 f\u00fcr <span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>he o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Verpflic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>ns g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>e Bil<span class=\"_ _2\"></span>anzpo<span class=\"_ _2\"></span>sitio<span class=\"_ _2\"></span>n im Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en R\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr a<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>lle G<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>antie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e H<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n, Recht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>ern <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Abg<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r Verbr<span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>r Wahrsc<span class=\"_ _2\"></span>hein<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n komme<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>25 V<span class=\"_ _9\"></span>erwaltungsau<span class=\"_ _2\"></span>fwand<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2e0\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Personalaufwand<span class=\"_ _2e1\"> </span>\u2212150.007<span class=\"_ _128\"> </span>\u2212136.779<span class=\"_ _39f\"> </span>davon L\u00f6hne und Ge<span class=\"_ _2\"></span>h\u00e4lter<span class=\"_ _2e2\"> </span>\u2212103.942<span class=\"_ _106\"> </span>\u221292.765<span class=\"_ _39f\"> </span>davon gesetzliche Sozialabgaben<span class=\"_ _28d\"> </span>\u221225.885<span class=\"_ _e7\"> </span>\u221223.765<span class=\"_ _39f\"> </span>davon sonstiger Personalaufwand<span class=\"_ _1db\"> </span>\u221218.865<span class=\"_ _106\"> </span>\u221219.107<span class=\"_ _39f\"> </span>davon Aufwendungen f\u00fcr langfr<span class=\"_ _2\"></span>istige Personalr\u00fcckstellungen<span class=\"_ _2e3\"> </span>\u22121.314<span class=\"_ _1cc\"> </span>\u22121.142<span class=\"_ _39f\"> </span>Sachaufwand<span class=\"_ _2cf\"> </span>\u221279.761<span class=\"_ _106\"> </span>\u221265.736<span class=\"_ _39f\"> </span>Abschreibungen<span class=\"_ _1ee\"> </span>\u221238.039<span class=\"_ _106\"> </span>\u221236.213   <span class=\"_ _2\"></span> davon Abschreibungen auf aktivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _24a\"> </span>\u22126.246<span class=\"_ _9a\"> </span>\u22126.111<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _2\"></span>fwand<span class=\"_ _1dc\"> </span><span class=\"ff6f9\">\u2212267.808<span class=\"_ _b9\"> </span>\u2212238.728<span class=\"_ _39f\"> </span></span>Im Per<span class=\"_ _2\"></span>sonal<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d sind Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n f\u00fc<span class=\"_ _2\"></span>r beit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Versor<span class=\"_ _2\"></span>gu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>l\u00e4ne i<span class=\"_ _2\"></span>n H\u00f6h<span class=\"_ _2\"></span>e von 3.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>86 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rnge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wurd<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amm<span class=\"_ _2\"></span>enha<span class=\"_ _2\"></span>ng mit COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19 die Entsc<span class=\"_ _2\"></span>h\u00e4dig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h dem Ep<span class=\"_ _2\"></span>idem<span class=\"_ _2\"></span>ieG in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 258 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 320 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch g<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V w\u00e4hl<span class=\"_ _2\"></span>t hier g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S 20 d<span class=\"_ _2\"></span>ie Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tod<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r die Zuwend<span class=\"_ _2\"></span>ungen d<span class=\"_ _2\"></span>en ausg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Pers<span class=\"_ _2\"></span>onala<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand k<span class=\"_ _2\"></span>\u00fcr<span class=\"_ _2\"></span>zen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-591": {
   "value": "16 <span class=\"lsa5 wsbf\">Steuerschulden<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span></span><span class=\"lsa5 wsbf\"><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2a4\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Laufende Steuerschulden<span class=\"_ _2a5\"> </span><span class=\"ff2 lse wse\">11.478<span class=\"_ _145\"> </span>18.409<span class=\"_ _39f\"> </span></span>Latente St<span class=\"_ _9\"></span>euerschulden<span class=\"_ _23a\"> </span><span class=\"ff2 lse wse\">14.351<span class=\"_ _6a\"> </span>822<span class=\"_ _39f\"> </span></span>Steuersc<span class=\"_ _9\"></span>hulden<span class=\"_ _1c0\"> </span><span class=\"lse wse\">25.829<span class=\"_ _158\"> </span>19.231<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-18": {
   "value": "17 <span class=\"ws1\">Sonstige Passiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _1dd\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Passive Rechungsabgrenzungen<span class=\"_ _2a6\"> </span><span class=\"ff2\">18.955<span class=\"_ _145\"> </span>16.686<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Liefer<span class=\"_ _2\"></span>ungen und Leistungen<span class=\"_ _241\"> </span><span class=\"ff2\">26.332<span class=\"_ _145\"> </span>20.014<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsverbindlichkeiten<span class=\"_ _292\"> </span><span class=\"ff2\">28.834<span class=\"_ _145\"> </span>13.413<span class=\"_ _39f\"> </span></span>\u00dcbrige Passiva<span class=\"_ _2a7\"> </span><span class=\"ff2\">46.557<span class=\"_ _145\"> </span>46.162<span class=\"_ _39f\"> </span></span>Sonstige Passiva<span class=\"_ _1df\"> </span><span class=\"wse\">120.678<span class=\"_ _12d\"> </span>96.275<span class=\"_ _39f\"> </span></span>Die Posit<span class=\"_ _2\"></span>ion \u201e\u00dc<span class=\"_ _2\"></span>brig<span class=\"_ _2\"></span>e Passi<span class=\"_ _2\"></span>va\u201c enth<span class=\"_ _2\"></span>\u00e4lt im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten aus u<span class=\"_ _2\"></span>ngewiss<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n f\u00fcr m<span class=\"_ _2\"></span>it \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>er Wahrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlichk<span class=\"_ _2\"></span>eit ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>de Ri<span class=\"_ _2\"></span>siken in H<span class=\"_ _2\"></span>\u00f6he von 18.<span class=\"_ _2\"></span>359 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _10\"></span>3 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, die im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mit de<span class=\"_ _2\"></span>m ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>iven G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ank un<span class=\"_ _2\"></span>d den T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>hen",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-543": {
   "value": "17 <span class=\"ws1\">Sonstige Passiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _1dd\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Passive Rechungsabgrenzungen<span class=\"_ _2a6\"> </span><span class=\"ff2\">18.955<span class=\"_ _145\"> </span>16.686<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Liefer<span class=\"_ _2\"></span>ungen und Leistungen<span class=\"_ _241\"> </span><span class=\"ff2\">26.332<span class=\"_ _145\"> </span>20.014<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsverbindlichkeiten<span class=\"_ _292\"> </span><span class=\"ff2\">28.834<span class=\"_ _145\"> </span>13.413<span class=\"_ _39f\"> </span></span>\u00dcbrige Passiva<span class=\"_ _2a7\"> </span><span class=\"ff2\">46.557<span class=\"_ _145\"> </span>46.162<span class=\"_ _39f\"> </span></span>Sonstige Passiva<span class=\"_ _1df\"> </span><span class=\"wse\">120.678<span class=\"_ _12d\"> </span>96.275<span class=\"_ _39f\"> </span></span>Die Posit<span class=\"_ _2\"></span>ion \u201e\u00dc<span class=\"_ _2\"></span>brig<span class=\"_ _2\"></span>e Passi<span class=\"_ _2\"></span>va\u201c enth<span class=\"_ _2\"></span>\u00e4lt im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten aus u<span class=\"_ _2\"></span>ngewiss<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n f\u00fcr m<span class=\"_ _2\"></span>it \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>er Wahrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlichk<span class=\"_ _2\"></span>eit ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>de Ri<span class=\"_ _2\"></span>siken in H<span class=\"_ _2\"></span>\u00f6he von 18.<span class=\"_ _2\"></span>359 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _10\"></span>3 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, die im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mit de<span class=\"_ _2\"></span>m ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>iven G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ank un<span class=\"_ _2\"></span>d den T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-570": {
   "value": "17 <span class=\"ws1\">Sonstige Passiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _1dd\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Passive Rechungsabgrenzungen<span class=\"_ _2a6\"> </span><span class=\"ff2\">18.955<span class=\"_ _145\"> </span>16.686<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Liefer<span class=\"_ _2\"></span>ungen und Leistungen<span class=\"_ _241\"> </span><span class=\"ff2\">26.332<span class=\"_ _145\"> </span>20.014<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsverbindlichkeiten<span class=\"_ _292\"> </span><span class=\"ff2\">28.834<span class=\"_ _145\"> </span>13.413<span class=\"_ _39f\"> </span></span>\u00dcbrige Passiva<span class=\"_ _2a7\"> </span><span class=\"ff2\">46.557<span class=\"_ _145\"> </span>46.162<span class=\"_ _39f\"> </span></span>Sonstige Passiva<span class=\"_ _1df\"> </span><span class=\"wse\">120.678<span class=\"_ _12d\"> </span>96.275<span class=\"_ _39f\"> </span></span>Die Posit<span class=\"_ _2\"></span>ion \u201e\u00dc<span class=\"_ _2\"></span>brig<span class=\"_ _2\"></span>e Passi<span class=\"_ _2\"></span>va\u201c enth<span class=\"_ _2\"></span>\u00e4lt im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten aus u<span class=\"_ _2\"></span>ngewiss<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n f\u00fcr m<span class=\"_ _2\"></span>it \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>er Wahrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlichk<span class=\"_ _2\"></span>eit ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>de Ri<span class=\"_ _2\"></span>siken in H<span class=\"_ _2\"></span>\u00f6he von 18.<span class=\"_ _2\"></span>359 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _10\"></span>3 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, die im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mit de<span class=\"_ _2\"></span>m ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>iven G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ank un<span class=\"_ _2\"></span>d den T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-603": {
   "value": "17 <span class=\"ws1\">Sonstige Passiva<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _1dd\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Passive Rechungsabgrenzungen<span class=\"_ _2a6\"> </span><span class=\"ff2\">18.955<span class=\"_ _145\"> </span>16.686<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten aus Liefer<span class=\"_ _2\"></span>ungen und Leistungen<span class=\"_ _241\"> </span><span class=\"ff2\">26.332<span class=\"_ _145\"> </span>20.014<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rrechnungsverbindlichkeiten<span class=\"_ _292\"> </span><span class=\"ff2\">28.834<span class=\"_ _145\"> </span>13.413<span class=\"_ _39f\"> </span></span>\u00dcbrige Passiva<span class=\"_ _2a7\"> </span><span class=\"ff2\">46.557<span class=\"_ _145\"> </span>46.162<span class=\"_ _39f\"> </span></span>Sonstige Passiva<span class=\"_ _1df\"> </span><span class=\"wse\">120.678<span class=\"_ _12d\"> </span>96.275<span class=\"_ _39f\"> </span></span>Die Posit<span class=\"_ _2\"></span>ion \u201e\u00dc<span class=\"_ _2\"></span>brig<span class=\"_ _2\"></span>e Passi<span class=\"_ _2\"></span>va\u201c enth<span class=\"_ _2\"></span>\u00e4lt im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten aus u<span class=\"_ _2\"></span>ngewiss<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n f\u00fcr m<span class=\"_ _2\"></span>it \u00fcber<span class=\"_ _3\"></span>wie<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>er Wahrsc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>nlichk<span class=\"_ _2\"></span>eit ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>de Ri<span class=\"_ _2\"></span>siken in H<span class=\"_ _2\"></span>\u00f6he von 18.<span class=\"_ _2\"></span>359 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _10\"></span>3 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, die im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang mit de<span class=\"_ _2\"></span>m ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>iven G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t der B<span class=\"_ _2\"></span>ank un<span class=\"_ _2\"></span>d den T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-19": {
   "value": "18 Eigenkapital<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _268\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Gezeichnete<span class=\"_ _9\"></span>s Ka<span class=\"_ _2\"></span>pital<span class=\"_ _2a8\"> </span><span class=\"ff2\">74.250<span class=\"_ _145\"> </span>74.250<span class=\"_ _39f\"> </span></span>Kapitalr\u00fcck<span class=\"_ _2\"></span>lagen inkl. <span class=\"_ _2\"></span>abgezog<span class=\"_ _9\"></span>ener eigener Aktien<span class=\"_ _2a9\"> </span><span class=\"ff2\">338.798<span class=\"_ _12b\"> </span>338.906<span class=\"_ _39f\"> </span></span>Gewinnr\u00fccklagen (inkl. <span class=\"_ _2\"></span>Bilanzgewinn)<span class=\"_ _27d\"> </span><span class=\"ff2\">1.977.058<span class=\"_ _8e\"> </span>1.778.031<span class=\"_ _39f\"> </span></span>Andere R\u00fccklagen<span class=\"_ _2aa\"> </span><span class=\"ff2\">41.925<span class=\"_ _145\"> </span>42.514</span>   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend nicht <span class=\"_ _2\"></span>in den <span class=\"_ _2\"></span>Gewinn oder Verlust umgeglieder<span class=\"_ _2\"></span>t werden k\u00f6nne<span class=\"_ _2\"></span>n<span class=\"_ _2ab\"> </span><span class=\"ff2\">26.154<span class=\"_ _145\"> </span>30.352</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Neubewer<span class=\"_ _2\"></span>tungen aus l<span class=\"_ _2\"></span>eistungsorientier<span class=\"_ _2\"></span>ten Versorgungspl\u00e4nen<span class=\"_ _11e\"> </span>\u221231.270<span class=\"_ _e1\"> </span>\u221224.100   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _193\"> </span>\u22121.259<span class=\"_ _6a\"> </span><span class=\"ff2\">550</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Eigenkap<span class=\"_ _2\"></span>italinstrumenten<span class=\"_ _2ac\"> </span><span class=\"ff2\">70.675<span class=\"_ _145\"> </span>65.355</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-\u00c4nderung des <span class=\"_ _2\"></span>eigenen Bonit\u00e4tsrisikos von finanziellen <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _25b\"> </span>\u22123.813<span class=\"_ _f4\"> </span>\u22122.606   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _d2\"> </span>\u22128.180<span class=\"_ _f4\"> </span>\u22128.846   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend in <span class=\"_ _2\"></span>den Gewinn <span class=\"_ _2\"></span>oder Verlust umgegliedert <span class=\"_ _2\"></span>werden k\u00f6nnen<span class=\"_ _169\"> </span><span class=\"ff2\">15.771<span class=\"_ _145\"> </span>12.162</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _190\"> </span><span class=\"ff2\">15.631<span class=\"_ _f4\"> </span>15.495</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Sch<span class=\"_ _2\"></span>uldtiteln<span class=\"_ _20d\"> </span>\u22124.904<span class=\"_ _f4\"> </span>\u22129.165   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Unrealisier<span class=\"_ _2\"></span>te Gewinne/Verluste aus Anpassungen der W\u00e4hr<span class=\"_ _2\"></span>ungsumrechnung<span class=\"_ _96\"> </span><span class=\"ff2\">4.244<span class=\"_ _99\"> </span>4.064</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _173\"> </span><span class=\"ff2\">800<span class=\"_ _99\"> </span>1.769<span class=\"_ _39f\"> </span></span>Eigent\u00fcmer des Mutterunternehmens<span class=\"_ _31\"> </span><span class=\"wse\">2.432.032<span class=\"_ _125\"> </span>2.233.701<span class=\"_ _39f\"> </span></span>Nicht beherr<span class=\"_ _2\"></span>schende Anteile<span class=\"_ _2ad\"> </span><span class=\"ff2\">55.753<span class=\"_ _145\"> </span>50.034<span class=\"_ _39f\"> </span></span>Eigenkapital<span class=\"_ _2a0\"> </span>2.487.785<span class=\"_ _10a\"> </span>2.283.734<span class=\"_ _39f\"> </span>Per 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 bet<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>as ge<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>nete <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>7<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>7<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d durc<span class=\"_ _2\"></span>h 37<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>25<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcck <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>37<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcc<span class=\"_ _2\"></span>k) \u2013 auf <span class=\"_ _2\"></span>Inh<span class=\"_ _2\"></span>aber <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e \u2013 vol<span class=\"_ _2\"></span>l eing<span class=\"_ _2\"></span>ez<span class=\"_ _2\"></span>ahlte<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>St\u00fcc<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>en <span class=\"ff2 ls2 ws1\"> </span>(Stamm<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien) repr<span class=\"_ _2\"></span>\u00e4sen<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>ige B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>am G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al p<span class=\"_ _2\"></span>ro St<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ie b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-544": {
   "value": "18 Eigenkapital<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _268\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Gezeichnete<span class=\"_ _9\"></span>s Ka<span class=\"_ _2\"></span>pital<span class=\"_ _2a8\"> </span><span class=\"ff2\">74.250<span class=\"_ _145\"> </span>74.250<span class=\"_ _39f\"> </span></span>Kapitalr\u00fcck<span class=\"_ _2\"></span>lagen inkl. <span class=\"_ _2\"></span>abgezog<span class=\"_ _9\"></span>ener eigener Aktien<span class=\"_ _2a9\"> </span><span class=\"ff2\">338.798<span class=\"_ _12b\"> </span>338.906<span class=\"_ _39f\"> </span></span>Gewinnr\u00fccklagen (inkl. <span class=\"_ _2\"></span>Bilanzgewinn)<span class=\"_ _27d\"> </span><span class=\"ff2\">1.977.058<span class=\"_ _8e\"> </span>1.778.031<span class=\"_ _39f\"> </span></span>Andere R\u00fccklagen<span class=\"_ _2aa\"> </span><span class=\"ff2\">41.925<span class=\"_ _145\"> </span>42.514</span>   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend nicht <span class=\"_ _2\"></span>in den <span class=\"_ _2\"></span>Gewinn oder Verlust umgeglieder<span class=\"_ _2\"></span>t werden k\u00f6nne<span class=\"_ _2\"></span>n<span class=\"_ _2ab\"> </span><span class=\"ff2\">26.154<span class=\"_ _145\"> </span>30.352</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Neubewer<span class=\"_ _2\"></span>tungen aus l<span class=\"_ _2\"></span>eistungsorientier<span class=\"_ _2\"></span>ten Versorgungspl\u00e4nen<span class=\"_ _11e\"> </span>\u221231.270<span class=\"_ _e1\"> </span>\u221224.100   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _193\"> </span>\u22121.259<span class=\"_ _6a\"> </span><span class=\"ff2\">550</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Eigenkap<span class=\"_ _2\"></span>italinstrumenten<span class=\"_ _2ac\"> </span><span class=\"ff2\">70.675<span class=\"_ _145\"> </span>65.355</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-\u00c4nderung des <span class=\"_ _2\"></span>eigenen Bonit\u00e4tsrisikos von finanziellen <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _25b\"> </span>\u22123.813<span class=\"_ _f4\"> </span>\u22122.606   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _d2\"> </span>\u22128.180<span class=\"_ _f4\"> </span>\u22128.846   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend in <span class=\"_ _2\"></span>den Gewinn <span class=\"_ _2\"></span>oder Verlust umgegliedert <span class=\"_ _2\"></span>werden k\u00f6nnen<span class=\"_ _169\"> </span><span class=\"ff2\">15.771<span class=\"_ _145\"> </span>12.162</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _190\"> </span><span class=\"ff2\">15.631<span class=\"_ _f4\"> </span>15.495</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Sch<span class=\"_ _2\"></span>uldtiteln<span class=\"_ _20d\"> </span>\u22124.904<span class=\"_ _f4\"> </span>\u22129.165   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Unrealisier<span class=\"_ _2\"></span>te Gewinne/Verluste aus Anpassungen der W\u00e4hr<span class=\"_ _2\"></span>ungsumrechnung<span class=\"_ _96\"> </span><span class=\"ff2\">4.244<span class=\"_ _99\"> </span>4.064</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _173\"> </span><span class=\"ff2\">800<span class=\"_ _99\"> </span>1.769<span class=\"_ _39f\"> </span></span>Eigent\u00fcmer des Mutterunternehmens<span class=\"_ _31\"> </span><span class=\"wse\">2.432.032<span class=\"_ _125\"> </span>2.233.701<span class=\"_ _39f\"> </span></span>Nicht beherr<span class=\"_ _2\"></span>schende Anteile<span class=\"_ _2ad\"> </span><span class=\"ff2\">55.753<span class=\"_ _145\"> </span>50.034<span class=\"_ _39f\"> </span></span>Eigenkapital<span class=\"_ _2a0\"> </span>2.487.785<span class=\"_ _10a\"> </span>2.283.734<span class=\"_ _39f\"> </span>Per 31<span class=\"_ _9\"></span>. Deze<span class=\"_ _2\"></span>mbe<span class=\"_ _2\"></span>r 2024 bet<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>as ge<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>nete <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>7<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>7<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d durc<span class=\"_ _2\"></span>h 37<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>25<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcck <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>37<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>5.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcc<span class=\"_ _2\"></span>k) \u2013 auf <span class=\"_ _2\"></span>Inh<span class=\"_ _2\"></span>aber <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>e \u2013 vol<span class=\"_ _2\"></span>l eing<span class=\"_ _2\"></span>ez<span class=\"_ _2\"></span>ahlte<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>St\u00fcc<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>en <span class=\"ff2 ls2 ws1\"> </span>(Stamm<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien) repr<span class=\"_ _2\"></span>\u00e4sen<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>ige B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag <span class=\"_ _2\"></span>am G<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>dk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al p<span class=\"_ _2\"></span>ro St<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ie b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzs<span class=\"_ _2\"></span>tic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>g 8<span class=\"_ _2\"></span>83 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 727 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>). D<span class=\"_ _2\"></span>ie K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>agen enth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n Ag<span class=\"_ _2\"></span>iobe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Au<span class=\"_ _2\"></span>sgab<span class=\"_ _2\"></span>e von <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewinn<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n th<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ale E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>2 Regulatorische Eigen<span class=\"_ _9\"></span>mittel <span class=\"_ _2\"></span>und V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>schuldun<span class=\"_ _9\"></span>g Die ko<span class=\"_ _2\"></span>nsoli<span class=\"_ _2\"></span>dier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Eigenm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l de<span class=\"_ _2\"></span>r Gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df de<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>k von B<span class=\"_ _2\"></span>ase<span class=\"_ _2\"></span>l I<span class=\"_ _2\"></span>II <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undl<span class=\"_ _2\"></span>age d<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>\u00fcr bil<span class=\"_ _2\"></span>det die EU<span class=\"_ _3\"></span>-V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rordn<span class=\"_ _2\"></span>ung 575<span class=\"_ _4\"></span>/<span class=\"_ _2\"></span>201<span class=\"_ _4\"></span>3 <span class=\"_ _2\"></span>(Capit<span class=\"_ _2\"></span>al Re<span class=\"_ _2\"></span>quire<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>Regu<span class=\"_ _2\"></span>lati<span class=\"_ _2\"></span>on \u2212 <span class=\"_ _2\"></span>CRR) in Verbi<span class=\"_ _2\"></span>ndung m<span class=\"_ _2\"></span>it d<span class=\"_ _2\"></span>er \u00f6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ichis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n CR<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>eit<span class=\"_ _3\"></span>ver<span class=\"ls2 ws1\">-</span>ordnung<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Eige<span class=\"_ _2\"></span>nmit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>el ge<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span>. CRR <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m har<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Ker<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>(Common Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y T<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>r 1 \u2212 <span class=\"_ _2\"></span>CE<span class=\"_ _2\"></span>T1<span class=\"_ _4\"></span>), de<span class=\"_ _2\"></span>m zu<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen Ker<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>(Additiona<span class=\"_ _2\"></span>l T<span class=\"_ _2\"></span>ier <span class=\"_ _2\"></span>1 \u2212 A<span class=\"_ _4\"></span>T1<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>ungsk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l (<span class=\"_ _3\"></span>Ti<span class=\"_ _2\"></span>er 2 <span class=\"_ _2\"></span>\u2212 T<span class=\"_ _2\"></span>2) zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e jewei<span class=\"_ _2\"></span>ligen <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alq<span class=\"_ _2\"></span>uoten <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>ndem <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e reg<span class=\"_ _2\"></span>ula<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>talko<span class=\"_ _2\"></span>mpon<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung all<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Abz\u00fcge <span class=\"_ _2\"></span>und \u00dcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mtr<span class=\"_ _2\"></span>isikome<span class=\"_ _2\"></span>ssgr<span class=\"_ _2\"></span>\u00f6\u00dfe g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>. G<span class=\"_ _2\"></span>em\u00e4\u00df <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r CR<span class=\"_ _2\"></span>R un<span class=\"_ _2\"></span>d einsc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dflich <span class=\"_ _2\"></span>des E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bniss<span class=\"_ _2\"></span>es d<span class=\"_ _2\"></span>es du<span class=\"_ _2\"></span>rchge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Sup<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>viso<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>Review <span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>Evalu<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>ocess <span class=\"_ _2\"></span>(SR<span class=\"_ _2\"></span>EP) <span class=\"_ _2\"></span>wur<span class=\"_ _2\"></span>de von <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"ls2 ws1\">-</span>mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>as CE<span class=\"_ _2\"></span>T1 ei<span class=\"_ _2\"></span>n Min<span class=\"_ _2\"></span>des<span class=\"_ _2\"></span>ter<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>nis vo<span class=\"_ _2\"></span>n 5,<span class=\"_ _3\"></span>34 <span class=\"_ _2\"></span>% vor<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>as sic<span class=\"_ _2\"></span>h dur<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>CRD <span class=\"_ _2\"></span>IV <span class=\"_ _2\"></span>(Capita<span class=\"_ _2\"></span>l Requ<span class=\"_ _2\"></span>ire<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-</span>ment<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>Dire<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve IV<span class=\"_ _3\"></span>) de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alpu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er um <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>0 % s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ntiz<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>klis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>lpuf<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>r um <span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>24 % e<span class=\"_ _2\"></span>rh\u00f6h<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>das gesa<span class=\"_ _2\"></span>mte K<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al i<span class=\"_ _2\"></span>st e<span class=\"_ _2\"></span>in M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rni<span class=\"_ _2\"></span>s von 9,<span class=\"_ _2\"></span>87 <span class=\"_ _2\"></span>% vor<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie ge<span class=\"_ _2\"></span>samte<span class=\"_ _2\"></span>n Eige<span class=\"_ _2\"></span>nmit<span class=\"_ _3\"></span>tel m<span class=\"_ _2\"></span>\u00fcsse<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>en Wer<span class=\"_ _2\"></span>t von 1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>24 % er<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n.Die Versc<span class=\"_ _2\"></span>huldung<span class=\"_ _2\"></span>sq<span class=\"_ _2\"></span>uote (<span class=\"_ _2\"></span>Lever<span class=\"_ _2\"></span>age <span class=\"_ _2\"></span>Rat<span class=\"_ _2\"></span>io<span class=\"_ _9\"></span>) gib<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>s Verh\u00e4lt<span class=\"_ _2\"></span>nis d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ier <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>zum Le<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>age E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>posur<span class=\"_ _2\"></span>e (<span class=\"_ _9\"></span>ungewi<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>te Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ivp<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ilanz <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ilanzi<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>. CR<span class=\"_ _2\"></span>R) an. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung un<span class=\"_ _2\"></span>d O<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fenl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>ersc<span class=\"_ _2\"></span>huldu<span class=\"_ _2\"></span>ngsq<span class=\"_ _2\"></span>uote i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b de<span class=\"_ _2\"></span>r EU we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>von d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>Zuge de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung umg<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-</span>dungs<span class=\"_ _2\"></span>quote <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rug <span class=\"_ _2\"></span>zum 31. Dezemb<span class=\"_ _2\"></span>er 2<span class=\"_ _2\"></span>024 insgesam<span class=\"_ _2\"></span>t 9,6<span class=\"_ _2\"></span>6 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9,<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>1 %<span class=\"_ _2\"></span>).32a K<span class=\"_ _4\"></span>onsolidier<span class=\"_ _2\"></span>te Eigenmittel gem. CRR <span class=\"fs9 ls16\">in Mio. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _235\"> </span></span><span class=\"wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Har<span class=\"_ _2\"></span>tes Kernkapit<span class=\"_ _2\"></span>al (CE<span class=\"_ _2\"></span>T1)<span class=\"_ _39f\"> </span>Als har<span class=\"_ _2\"></span>tes Kernka<span class=\"_ _2\"></span>pital anrechen<span class=\"_ _2\"></span>bare Kap<span class=\"_ _2\"></span>italinstrumente ink<span class=\"_ _2\"></span>l. eig. <span class=\"_ _2\"></span>Instrumente des <span class=\"_ _2\"></span>har<span class=\"_ _2\"></span>ten Kernka<span class=\"_ _2\"></span>pitals <span class=\"_ _11b\"> </span>340,3<span class=\"_ _fd\"> </span>347,8<span class=\"_ _39f\"> </span>Einbehaltene Gewinne und <span class=\"_ _2\"></span>sonstige Gewinnr\u00fccklagen<span class=\"_ _31a\"> </span>1.816,2<span class=\"_ _132\"> </span>1.626,2<span class=\"_ _39f\"> </span>Kumulier<span class=\"_ _2\"></span>tes sonstiges Ergebnis<span class=\"_ _31b\"> </span>42,9<span class=\"_ _183\"> </span>44,5<span class=\"_ _39f\"> </span>Sonstige R\u00fccklagen<span class=\"_ _27a\"> </span>144,3<span class=\"_ _fd\"> </span>144,3<span class=\"_ _39f\"> </span>Abzugs- und Korrektur<span class=\"_ _2\"></span>posten aufgrun<span class=\"_ _2\"></span>d von Anpassungen des har<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kernkapitals <span class=\"_ _2\"></span>(Prudential <span class=\"_ _2\"></span>Filters)<span class=\"_ _147\"> </span>1,5<span class=\"_ _70\"> </span>0,3<span class=\"_ _39f\"> </span>Sonstige immaterielle Verm\u00f6gensg<span class=\"_ _9\"></span>egenst\u00e4nde<span class=\"_ _28\"> </span>\u22124,9<span class=\"_ _119\"> </span>\u22124,1<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbriefung<span class=\"_ _2\"></span>spositionen, d<span class=\"_ _2\"></span>enen alternativ <span class=\"_ _2\"></span>ein Risikogewicht von 1.250 % zugeordnet werden <span class=\"_ _2\"></span>kann<span class=\"_ _dd\"> </span>\u22125,9<span class=\"_ _183\"> </span>\u22128,7<span class=\"_ _39f\"> </span>Regulatorische Anpassungen in Zusammenhang mit Instr<span class=\"_ _2\"></span>umenten des har<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kernkapit<span class=\"_ _2\"></span>als von Unternehmen d<span class=\"_ _2\"></span>er Finanzbr<span class=\"_ _2\"></span>anche, an <span class=\"_ _2\"></span>denen d<span class=\"_ _2\"></span>as Institut <span class=\"_ _2\"></span>eine wesentliche Beteiligung h\u00e4lt<span class=\"_ _39f\"> </span>\u2212798,8<span class=\"_ _1cc\"> </span>\u2212746,8<span class=\"_ _39f\"> </span>Den Schwellenwer<span class=\"_ _2\"></span>t von 17,65 <span class=\"_ _2\"></span>% \u00fcberschreitender B<span class=\"_ _2\"></span>etrag<span class=\"_ _31c\"> </span>\u22127,7<span class=\"_ _fe\"> </span>\u221212,0<span class=\"_ _39f\"> </span>Unzureichende Deckung <span class=\"_ _2\"></span>notleidender R<span class=\"_ _2\"></span>isikopositionen<span class=\"_ _30\"> </span>\u22128,0<span class=\"_ _119\"> </span>\u22126,6<span class=\"_ _39f\"> </span>Hartes <span class=\"_ _2\"></span>K<span class=\"_ _9\"></span>ernkapital \u2212 CET1<span class=\"_ _1c3\"> </span><span class=\"ff5\">1.519,9<span class=\"_ _91\"> </span>1.385,0<span class=\"_ _39f\"> </span></span>Zus\u00e4tzliches K<span class=\"_ _4\"></span>ernkapital (Additional Tier 1)<span class=\"_ _287\"> </span><span class=\"wse\">0,0<span class=\"_ _102\"> </span>0,0<span class=\"_ _39f\"> </span></span>K<span class=\"_ _9\"></span>ernkapital (Tier 1): Summe hartes (CE<span class=\"_ _2\"></span>T1) &amp; zus\u00e4tzliches (A<span class=\"_ _10\"></span>T1) K<span class=\"_ _4\"></span>ernkapital<span class=\"_ _aa\"> </span><span class=\"wse\">1.519,9<span class=\"_ _106\"> </span>1.385,0<span class=\"_ _39f\"> </span></span>Erg\u00e4nzungskapital <span class=\"_ _2\"></span>(Tier 2)<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>oll <span class=\"_ _2\"></span>eingezahlte, direkt begebene <span class=\"_ _2\"></span>Kapit<span class=\"_ _2\"></span>alinstrumente<span class=\"_ _30c\"> </span>243,0<span class=\"_ _fd\"> </span>245,6<span class=\"_ _39f\"> </span>Erg\u00e4nzun<span class=\"_ _9\"></span>gskapital (Tier 2)<span class=\"_ _2bd\"> </span><span class=\"wse\">243,0<span class=\"_ _57\"> </span>245,6<span class=\"_ _39f\"> </span></span>Gesamte anrechenbare Eigenmittel<span class=\"_ _204\"> </span><span class=\"wse\">1.762,8<span class=\"_ _106\"> </span>1.630,7<span class=\"_ _39f\"> </span></span>Gesamtrisikobetrag<span class=\"_ _293\"> </span>9.763,9<span class=\"_ _106\"> </span>9.249,0<span class=\"_ _39f\"> </span>Har<span class=\"_ _2\"></span>te Kernkap<span class=\"_ _2\"></span>italquote<span class=\"_ _31d\"> </span>15,57 %<span class=\"_ _122\"> </span>14,97 %<span class=\"_ _39f\"> </span>Kernkapitalq<span class=\"_ _2\"></span>uote<span class=\"_ _2a5\"> </span>15,57 %<span class=\"_ _122\"> </span>14,97 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Eigenmittelquote<span class=\"_ _2a5\"> </span>18,05 %<span class=\"_ _192\"> </span>17,63 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er r<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>lator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l ba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m fina<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hlag <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ric<span class=\"_ _2\"></span>htlin<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EBA (<span class=\"_ _2\"></span>Europe<span class=\"_ _2\"></span>an B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>ing Autho<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>y), die Er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>tlung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t anh<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Kons<span class=\"_ _2\"></span>olidie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsk<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ses<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-571": {
   "value": "18 Eigenkapital<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _268\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Gezeichnete<span class=\"_ _9\"></span>s Ka<span class=\"_ _2\"></span>pital<span class=\"_ _2a8\"> </span><span class=\"ff2\">74.250<span class=\"_ _145\"> </span>74.250<span class=\"_ _39f\"> </span></span>Kapitalr\u00fcck<span class=\"_ _2\"></span>lagen inkl. <span class=\"_ _2\"></span>abgezog<span class=\"_ _9\"></span>ener eigener Aktien<span class=\"_ _2a9\"> </span><span class=\"ff2\">338.798<span class=\"_ _12b\"> </span>338.906<span class=\"_ _39f\"> </span></span>Gewinnr\u00fccklagen (inkl. <span class=\"_ _2\"></span>Bilanzgewinn)<span class=\"_ _27d\"> </span><span class=\"ff2\">1.977.058<span class=\"_ _8e\"> </span>1.778.031<span class=\"_ _39f\"> </span></span>Andere R\u00fccklagen<span class=\"_ _2aa\"> </span><span class=\"ff2\">41.925<span class=\"_ _145\"> </span>42.514</span>   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend nicht <span class=\"_ _2\"></span>in den <span class=\"_ _2\"></span>Gewinn oder Verlust umgeglieder<span class=\"_ _2\"></span>t werden k\u00f6nne<span class=\"_ _2\"></span>n<span class=\"_ _2ab\"> </span><span class=\"ff2\">26.154<span class=\"_ _145\"> </span>30.352</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Neubewer<span class=\"_ _2\"></span>tungen aus l<span class=\"_ _2\"></span>eistungsorientier<span class=\"_ _2\"></span>ten Versorgungspl\u00e4nen<span class=\"_ _11e\"> </span>\u221231.270<span class=\"_ _e1\"> </span>\u221224.100   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _193\"> </span>\u22121.259<span class=\"_ _6a\"> </span><span class=\"ff2\">550</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Eigenkap<span class=\"_ _2\"></span>italinstrumenten<span class=\"_ _2ac\"> </span><span class=\"ff2\">70.675<span class=\"_ _145\"> </span>65.355</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-\u00c4nderung des <span class=\"_ _2\"></span>eigenen Bonit\u00e4tsrisikos von finanziellen <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _25b\"> </span>\u22123.813<span class=\"_ _f4\"> </span>\u22122.606   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _d2\"> </span>\u22128.180<span class=\"_ _f4\"> </span>\u22128.846   <span class=\"_ _2\"></span>davon Po<span class=\"_ _9\"></span>sten, <span class=\"_ _2\"></span>die anschlie\u00dfend in <span class=\"_ _2\"></span>den Gewinn <span class=\"_ _2\"></span>oder Verlust umgegliedert <span class=\"_ _2\"></span>werden k\u00f6nnen<span class=\"_ _169\"> </span><span class=\"ff2\">15.771<span class=\"_ _145\"> </span>12.162</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von at-eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y-bewerteten Untern<span class=\"_ _2\"></span>ehmen<span class=\"_ _190\"> </span><span class=\"ff2\">15.631<span class=\"_ _f4\"> </span>15.495</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>folgsneutrale <span class=\"_ _2\"></span>\u00c4nderungen von Sch<span class=\"_ _2\"></span>uldtiteln<span class=\"_ _20d\"> </span>\u22124.904<span class=\"_ _f4\"> </span>\u22129.165   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Unrealisier<span class=\"_ _2\"></span>te Gewinne/Verluste aus Anpassungen der W\u00e4hr<span class=\"_ _2\"></span>ungsumrechnung<span class=\"_ _96\"> </span><span class=\"ff2\">4.244<span class=\"_ _99\"> </span>4.064</span>   <span class=\"_ _2\"></span>   <span class=\"_ _2\"></span>Gewinne/V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste in B<span class=\"_ _2\"></span>ezug auf latente Steuern<span class=\"_ _2\"></span>, die dire<span class=\"_ _2\"></span>kt im Gesamtergebnis <span class=\"_ _2\"></span>verrechnet wurden<span class=\"_ _173\"> </span><span class=\"ff2\">800<span class=\"_ _99\"> </span>1.769<span class=\"_ _39f\"> </span></span>Eigent\u00fcmer des Mutterunternehmens<span class=\"_ _31\"> </span><span class=\"wse\">2.432.032<span class=\"_ _125\"> </span>2.233.701<span class=\"_ _39f\"> </span></span>Nicht beherr<span class=\"_ _2\"></span>schende Anteile<span class=\"_ _2ad\"> </span><span class=\"ff2\">55.753<span class=\"_ _145\"> </span>50.034<span class=\"_ _39f\"> </span></span>Eigenkapital<span class=\"_ _2a0\"> </span>2.487.785<span class=\"_ _10a\"> </span>2.283.734<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-572": {
   "value": "Der <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile <span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anzs<span class=\"_ _2\"></span>tic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>g 8<span class=\"_ _2\"></span>83 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 727 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>). D<span class=\"_ _2\"></span>ie K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>agen enth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n Ag<span class=\"_ _2\"></span>iobe<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r Au<span class=\"_ _2\"></span>sgab<span class=\"_ _2\"></span>e von <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>ewinn<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n th<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>urie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>sneu<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ale E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>arge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>e en<span class=\"_ _2\"></span>tsp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ant<span class=\"_ _2\"></span>eile<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Entwicklung der im U<span class=\"_ _2\"></span>mlauf befindlichen <span class=\"_ _2\"></span>Aktien<span class=\"ff5 ls2 ws1\"> <span class=\"fs9 ls16\">in St\u00fcck</span></span><span class=\"ff5 ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2ae\"> </span></span></span><span class=\"ff5\">2024<span class=\"_ _fd\"> </span>2023<span class=\"_ _39f\"> </span></span>Im Umlau<span class=\"_ _2\"></span>f befindliche Aktien <span class=\"_ _2\"></span>01.01.<span class=\"_ _2af\"> </span><span class=\"ff2\">37.103.268<span class=\"_ _f1\"> </span>37.107.581<span class=\"_ _39f\"> </span></span>Kauf <span class=\"_ _2\"></span>eigener Aktien<span class=\"_ _200\"> </span>\u22127.203<span class=\"_ _9a\"> </span>\u22125.928<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkauf <span class=\"_ _2\"></span>eigener Aktien<span class=\"_ _2b0\"> </span><span class=\"ff2\">5.414<span class=\"_ _fd\"> </span>1.615<span class=\"_ _39f\"> </span></span>Kapital<span class=\"_ _2\"></span>erh\u00f6hung<span class=\"_ _2b1\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _39f\"> </span></span>Im Umlau<span class=\"_ _2\"></span>f befindliche Aktien <span class=\"_ _2\"></span>31.12.<span class=\"_ _2af\"> </span><span class=\"ff2\">37.101.479<span class=\"_ _f1\"> </span>37.103.268</span>   <span class=\"_ _2\"></span>zuz\u00fcglich eigener Aktien im Konzernbestand<span class=\"_ _2b2\"> </span><span class=\"ff2\">23.521<span class=\"_ _13c\"> </span>21.732<span class=\"_ _39f\"> </span></span>Ausgegebene Aktien 31.12.<span class=\"_ _217\"> </span><span class=\"ff2\">37.125.000<span class=\"_ _f1\"> </span>37.125.000</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-20": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-545": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-573": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-592": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-609": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-613": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-621": {
   "value": "19 Zinsergebnis<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge aus:<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kreditins<span class=\"_ _2\"></span>tituten<span class=\"_ _a6\"> </span><span class=\"ff2\">127.241<span class=\"_ _145\"> </span>91.934<span class=\"_ _39f\"> </span></span>Kredit- und <span class=\"_ _2\"></span>Geldmarktgesch\u00e4f<span class=\"_ _2\"></span>ten mit Kunde<span class=\"_ _2\"></span>n<span class=\"_ _1fc\"> </span><span class=\"ff2\">424.870<span class=\"_ _e1\"> </span>373.908<span class=\"_ _39f\"> </span></span>Sonstigem Finanzverm\u00f6gen<span class=\"_ _2b3\"> </span><span class=\"ff2\">35.815<span class=\"_ _145\"> </span>22.107<span class=\"_ _39f\"> </span></span>Handelsaktiva<span class=\"_ _2b4\"> </span><span class=\"ff2\">47<span class=\"_ _de\"> </span>75<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _2b5\"> </span><span class=\"ff2\">857<span class=\"_ _6a\"> </span>347<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _2b6\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen f\u00fcr:<span class=\"_ _39f\"> </span>Einlagen von Kreditinstituten<span class=\"_ _272\"> </span>\u221221.445<span class=\"_ _112\"> </span>\u221228.402<span class=\"_ _39f\"> </span>Einlagen von Kunden<span class=\"_ _27a\"> </span>\u2212232.424<span class=\"_ _f1\"> </span>\u2212147.518<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten<span class=\"_ _2b8\"> </span>\u221265.358<span class=\"_ _e1\"> </span>\u221256.843<span class=\"_ _39f\"> </span>Langfristige Personalr\u00fcckstellungen<span class=\"_ _2b9\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tragsanpassungen<span class=\"_ _248\"> </span>\u2212506<span class=\"_ _10d\"> </span>\u2212555<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _61\"> </span></span><span class=\"lse wse\">\u22124<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>angeg<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>zin<span class=\"_ _2\"></span>sme<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>te Zi<span class=\"_ _2\"></span>nser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge u<span class=\"_ _2\"></span>nd Zins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n fina<span class=\"_ _2\"></span>nziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te un<span class=\"_ _2\"></span>d Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dungen <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"_ _3\"></span>verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd Z<span class=\"_ _2\"></span>insa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>65 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>81<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>aus Leas<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>IF<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 1<span class=\"_ _9\"></span>6 ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>19a Zinsergebnis: Details<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2212 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2212 31.12.2023<span class=\"_ _39f\"> </span>Zinsen und \u00e4hnliche Ertr\u00e4ge:<span class=\"_ _39f\"> </span>Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus der <span class=\"_ _2\"></span>Anwendung der Effe<span class=\"_ _2\"></span>ktivzinsmethode gesamt<span class=\"_ _2bb\"> </span><span class=\"ff2\">540.132<span class=\"_ _12b\"> </span>447.439<span class=\"_ _39f\"> </span></span>Aus zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _48\"> </span><span class=\"ff2\">535.057<span class=\"_ _12b\"> </span>445.865<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _2bc\"> </span><span class=\"ff2\">4.986<span class=\"_ _99\"> </span>1.472<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Zinsaufwendungen aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewerteten Verbindlichkeiten<span class=\"_ _17a\"> </span><span class=\"ff2\">89<span class=\"_ _6a\"> </span>102<span class=\"_ _39f\"> </span></span>Sonstige Zinser<span class=\"_ _2\"></span>tr\u00e4ge gesamt<span class=\"_ _2bd\"> </span><span class=\"ff2\">48.786<span class=\"_ _145\"> </span>41.034<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgswirks<span class=\"_ _2\"></span>am zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>ten<span class=\"_ _2be\"> </span><span class=\"ff2\">44.264<span class=\"_ _145\"> </span>37.869<span class=\"_ _39f\"> </span></span>Aus er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>teten V<span class=\"_ _9\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>ten (nicht rec<span class=\"_ _2\"></span>ycelbar)<span class=\"_ _55\"> </span><span class=\"ff2\">4.522<span class=\"_ _99\"> </span>3.165<span class=\"_ _39f\"> </span></span>Zwischensumme Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"_ _2b7\"> </span><span class=\"wse\">588.918<span class=\"_ _e2\"> </span>488.473<span class=\"_ _39f\"> </span></span>Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen:<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>der Anwendung de<span class=\"_ _2\"></span>r Effektivzinsmethode <span class=\"_ _2\"></span>gesamt<span class=\"_ _165\"> </span>\u2212302.443<span class=\"_ _e0\"> </span>\u2212209.558<span class=\"_ _39f\"> </span>F\u00fcr zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertete Verbindlichkeiten<span class=\"_ _19\"> </span>\u2212302.443<span class=\"_ _f1\"> </span>\u2212209.554<span class=\"_ _39f\"> </span>Negative Zinser<span class=\"_ _2\"></span>tr\u00e4ge aus <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewerteten Verm\u00f6genswerten<span class=\"_ _139\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _6d\"> </span></span>\u22124<span class=\"_ _39f\"> </span>Sonstige Zinsaufwendungen gesamt<span class=\"_ _22b\"> </span>\u221220.314<span class=\"_ _e1\"> </span>\u221227.004<span class=\"_ _39f\"> </span>F\u00fcr er<span class=\"_ _2\"></span>folgswir<span class=\"_ _2\"></span>ksam zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _2bf\"> </span>\u221217.290<span class=\"_ _e1\"> </span>\u221223.764<span class=\"_ _39f\"> </span>Zinsaufwendungen aus <span class=\"_ _2\"></span>nicht finanziellen Verbindlichkeiten<span class=\"_ _181\"> </span>\u22123.024<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>Zwischensumme Zinsen und \u00e4hnliche A<span class=\"_ _9\"></span>ufwendungen<span class=\"_ _1d1\"> </span><span class=\"ff6f9 wse\">\u2212322.757<span class=\"_ _115\"> </span>\u2212236.562<span class=\"_ _39f\"> </span></span>Zins\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"_ _1ee\"> </span>266.161<span class=\"_ _e2\"> </span>251.911<span class=\"_ _39f\"> </span>21 Provisions\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Provisionsertr\u00e4ge aus<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _2cf\"> </span><span class=\"ff2\">17.831<span class=\"_ _145\"> </span>17.070<span class=\"_ _39f\"> </span></span>Zahlungsverkehr<span class=\"_ _2d0\"> </span><span class=\"ff2\">20.129<span class=\"_ _145\"> </span>18.535<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">32.606<span class=\"_ _145\"> </span>30.693<span class=\"_ _39f\"> </span></span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _27c\"> </span><span class=\"ff2\">4.329<span class=\"_ _99\"> </span>4.591<span class=\"_ _39f\"> </span></span>Sonstigem Dienstleist<span class=\"_ _2\"></span>ungsgesch\u00e4ft<span class=\"_ _2d1\"> </span><span class=\"ff2\">2.159<span class=\"_ _99\"> </span>1.825<span class=\"_ _39f\"> </span></span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsertr\u00e4ge<span class=\"_ _2d2\"> </span><span class=\"wse\">77.053<span class=\"_ _13d\"> </span>72.714<span class=\"_ _39f\"> </span></span>Provisionsaufwendungen f\u00fcr<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _294\"> </span>\u22129.733<span class=\"_ _f4\"> </span>\u22129.439<span class=\"_ _39f\"> </span>Zahlungsverkehr<span class=\"_ _2d3\"> </span>\u22124.063<span class=\"_ _f4\"> </span>\u22123.466<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d4\"> </span>\u22121.957<span class=\"_ _f4\"> </span>\u22121.930<span class=\"_ _39f\"> </span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _28d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstiges Dienstleistungsgesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d5\"> </span>\u221236<span class=\"_ _11c\"> </span>\u221254<span class=\"_ _39f\"> </span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsaufwendungen<span class=\"_ _28\"> </span><span class=\"ff6f9 wse\">\u221215.790<span class=\"_ _e2\"> </span>\u221214.889<span class=\"_ _39f\"> </span></span>Provisi<span class=\"_ _9\"></span>ons\u00fcberschuss<span class=\"_ _296\"> </span>61.264<span class=\"_ _13d\"> </span>57.825<span class=\"_ _39f\"> </span>Die in d<span class=\"_ _2\"></span>er obig<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten P<span class=\"_ _2\"></span>rovi<span class=\"_ _2\"></span>sionse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und -<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wendu<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>lten E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>821 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>520 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 9.<span class=\"_ _2\"></span>957 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.633 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) aus finanzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten und Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, die nic<span class=\"_ _2\"></span>ht er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>, die in die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung <span class=\"ff2\"> </span>der Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sind in di<span class=\"_ _2\"></span>esen E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n nicht e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. Da<span class=\"_ _2\"></span>s W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t Prov<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im Ra<span class=\"_ _2\"></span>hmen t<span class=\"_ _2\"></span>reuh<span class=\"_ _2\"></span>\u00e4ndis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r und an<span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>r fiduz<span class=\"_ _2\"></span>iari<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, in de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n h\u00e4lt o<span class=\"_ _2\"></span>der inve<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, er<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>23 Handelsergebnis <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Derivaten<span class=\"_ _2d9\"> </span><span class=\"ff2\">96<span class=\"_ _f4\"> </span></span>\u22121.143<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _2da\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _99\"> </span></span><span class=\"ff2\">1.936<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Fonds<span class=\"_ _2db\"> </span><span class=\"ff2\">2.919<span class=\"_ _99\"> </span>1.855<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Devisen <span class=\"_ _2\"></span>und Valuten<span class=\"_ _2dc\"> </span><span class=\"ff2\">156<span class=\"_ _6a\"> </span>581<span class=\"_ _39f\"> </span></span>Handelsergebnis<span class=\"_ _2dd\"> </span>3.172<span class=\"_ _192\"> </span>3.229<span class=\"_ _39f\"> </span>24 Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _287\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Realisationserfolg <span class=\"_ _2\"></span>\u2013 zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertet<span class=\"_ _180\"> </span>\u221213<span class=\"_ _f4\"> </span>\u22125.703<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _2de\"> </span><span class=\"ff2\">166<span class=\"_ _f4\"> </span></span>\u22125.916<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _35\"> </span><span class=\"ff2\">176<span class=\"_ _f4\"> </span></span>\u22122.367<span class=\"_ _39f\"> </span>Realisierter Er<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg aus Ver\u00e4nderung OCI-R\u00fccklage<span class=\"_ _299\"> </span>\u221210<span class=\"_ _f4\"> </span>\u22123.549<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die nicht als <span class=\"_ _2\"></span>Beteiligungen <span class=\"ff2 ls2 ws1\"> </span>gef\u00fchr<span class=\"_ _2\"></span>t werden<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die als Beteiligungen gef\u00fchr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werden<span class=\"_ _d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeit<span class=\"_ _2\"></span>wert <span class=\"_ _2\"></span>bewer<span class=\"_ _2\"></span>tet <span class=\"_ _230\"> </span>\u22122.041<span class=\"_ _f4\"> </span>\u22122.530<span class=\"_ _39f\"> </span>Kurser<span class=\"_ _2\"></span>folg Forderungen <span class=\"_ _2\"></span>Kreditinstitute / <span class=\"_ _2\"></span>Forderungen Kunden <span class=\"_ _2\"></span>(SPPI-sch\u00e4dlich)<span class=\"_ _1da\"> </span><span class=\"ff2\">47<span class=\"_ _eb\"> </span></span>\u22122.697<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Fremdka<span class=\"_ _2\"></span>pitalinstrume<span class=\"_ _2\"></span>nte<span class=\"_ _17f\"> </span><span class=\"ff2\">444<span class=\"_ _10d\"> </span></span>\u2212165<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Eigenkapit<span class=\"_ _2\"></span>alinstrumente<span class=\"_ _2ac\"> </span>\u22122.533<span class=\"_ _6a\"> </span><span class=\"ff2\">332<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _15a\"> </span><span class=\"ff2\">246<span class=\"_ _99\"> </span>1.918<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Schuldverschreibungen (Akti<span class=\"_ _2\"></span>va)<span class=\"_ _1d4\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Schuldverschreibungen (Aktiva)<span class=\"_ _182\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Emissionen <span class=\"_ _2\"></span>(Passiva)<span class=\"_ _52\"> </span>\u221212.199<span class=\"_ _e1\"> </span>\u221216.328<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Emissionen (Passiva)<span class=\"_ _b5\"> </span><span class=\"ff2\">12.445<span class=\"_ _145\"> </span>18.246<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Fair <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>alue Hedge Accounting<span class=\"_ _267\"> </span>\u22122.448<span class=\"_ _99\"> </span><span class=\"ff2\">1.927<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"_ _1a9\"> </span><span class=\"ff6f9 wse\">\u22124.090<span class=\"_ _e2\"> </span>\u221210.304<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-620": {
   "value": "20 Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Zuf\u00fchrung zu K<span class=\"_ _2\"></span>reditrisikovorsorgen on-balance<span class=\"_ _1f3\"> </span>\u2212147.447<span class=\"_ _e1\"> </span>\u221284.805<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Forderungen K<span class=\"_ _2\"></span>reditinstitute / Kun<span class=\"_ _2\"></span>den<span class=\"_ _20e\"> </span>\u221251.008<span class=\"_ _e1\"> </span>\u221242.435<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen AC<span class=\"_ _9e\"> </span>\u2212816<span class=\"_ _10d\"> </span>\u2212147<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen OCI<span class=\"_ _22b\"> </span>\u2212163<span class=\"_ _11c\"> </span>\u221280<span class=\"_ _39f\"> </span>Stufe 3 Forder<span class=\"_ _2\"></span>ungen Kreditinstitute / <span class=\"_ _2\"></span>Kunden<span class=\"_ _2c0\"> </span>\u221295.253<span class=\"_ _e1\"> </span>\u221241.885<span class=\"_ _39f\"> </span>Zuf\u00fchrung CV<span class=\"_ _9\"></span>A<span class=\"_ _24b\"> </span>\u2212207<span class=\"_ _10d\"> </span>\u2212258<span class=\"_ _39f\"> </span>Zuf\u00fchrung zu K<span class=\"_ _2\"></span>reditrisikovorsorgen off-balance<span class=\"_ _2c1\"> </span>\u221240.572<span class=\"_ _e1\"> </span>\u221246.194<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 Garantien<span class=\"_ _2c2\"> </span>\u22128.804<span class=\"_ _e1\"> </span>\u221217.497<span class=\"_ _39f\"> </span>Stufe 1 + <span class=\"_ _2\"></span>2 nicht ausgen\u00fctzte Rahmen<span class=\"_ _27e\"> </span>\u221225.474<span class=\"_ _112\"> </span>\u221216.503<span class=\"_ _39f\"> </span>Stufe 3 Gar<span class=\"_ _2\"></span>antien<span class=\"_ _1ee\"> </span>\u22124.732<span class=\"_ _f4\"> </span>\u22129.801<span class=\"_ _39f\"> </span>Stufe 3 nicht a<span class=\"_ _2\"></span>usgen\u00fctzte Rahmen<span class=\"_ _2b8\"> </span>\u22121.562<span class=\"_ _f4\"> </span>\u22122.393<span class=\"_ _39f\"> </span>Aufl\u00f6sung von Kreditrisikovorsorgen on-balance<span class=\"_ _208\"> </span><span class=\"ff2\">88.345<span class=\"_ _f4\"> </span>48.964<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Forderungen K<span class=\"_ _2\"></span>reditinstitute / Kun<span class=\"_ _2\"></span>den<span class=\"_ _39\"> </span><span class=\"ff2\">43.937<span class=\"_ _145\"> </span>35.844<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen AC<span class=\"_ _2c3\"> </span><span class=\"ff2\">166<span class=\"_ _de\"> </span>94<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Schuldverschreibungen OCI <span class=\"_ _2c4\"> </span><span class=\"ff2\">173<span class=\"_ _6a\"> </span>106<span class=\"_ _39f\"> </span></span>Stufe 3 Forder<span class=\"_ _2\"></span>ungen Kreditinstitute / <span class=\"_ _2\"></span>Kunden<span class=\"_ _2c5\"> </span><span class=\"ff2\">44.044<span class=\"_ _145\"> </span>12.904<span class=\"_ _39f\"> </span></span>Aufl\u00f6sung CV<span class=\"_ _4\"></span>A<span class=\"_ _2c6\"> </span><span class=\"ff2\">25<span class=\"_ _de\"> </span>16<span class=\"_ _39f\"> </span></span>Aufl\u00f6sung von Kreditrisikovorsorgen off-balance<span class=\"_ _2c7\"> </span><span class=\"ff2\">59.560<span class=\"_ _145\"> </span>50.218<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 Garantien<span class=\"_ _2c8\"> </span><span class=\"ff2\">21.983<span class=\"_ _145\"> </span>22.166<span class=\"_ _39f\"> </span></span>Stufe 1 + <span class=\"_ _2\"></span>2 nicht ausgen\u00fctzte Rahmen<span class=\"_ _2c9\"> </span><span class=\"ff2\">24.750<span class=\"_ _145\"> </span>15.021<span class=\"_ _39f\"> </span></span>Stufe 3 Gar<span class=\"_ _2\"></span>antien<span class=\"_ _2ca\"> </span><span class=\"ff2\">9.933<span class=\"_ _145\"> </span>13.031<span class=\"_ _39f\"> </span></span>Stufe 3 nicht a<span class=\"_ _2\"></span>usgen\u00fctzte Rahmen<span class=\"_ _2cb\"> </span><span class=\"ff2\">2.894<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Direktabschreibungen<span class=\"_ _2cc\"> </span>\u2212593<span class=\"_ _10d\"> </span>\u2212136<span class=\"_ _39f\"> </span>Eing\u00e4nge aus abgeschriebenen Forder<span class=\"_ _2\"></span>ungen<span class=\"_ _2cd\"> </span><span class=\"ff2\">1.687<span class=\"_ _6a\"> </span>229<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _4\"></span>vorsorgen im Kredit<span class=\"_ _9\"></span>gesch\u00e4ft<span class=\"_ _2ce\"> </span><span class=\"ff6f9 wse\">\u221239.020<span class=\"_ _e2\"> </span>\u221231.724<span class=\"_ _39f\"> </span></span>23 Handelsergebnis <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Derivaten<span class=\"_ _2d9\"> </span><span class=\"ff2\">96<span class=\"_ _f4\"> </span></span>\u22121.143<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _2da\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _99\"> </span></span><span class=\"ff2\">1.936<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Fonds<span class=\"_ _2db\"> </span><span class=\"ff2\">2.919<span class=\"_ _99\"> </span>1.855<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Devisen <span class=\"_ _2\"></span>und Valuten<span class=\"_ _2dc\"> </span><span class=\"ff2\">156<span class=\"_ _6a\"> </span>581<span class=\"_ _39f\"> </span></span>Handelsergebnis<span class=\"_ _2dd\"> </span>3.172<span class=\"_ _192\"> </span>3.229<span class=\"_ _39f\"> </span>24 Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _287\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Realisationserfolg <span class=\"_ _2\"></span>\u2013 zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Anschaffungskosten bewertet<span class=\"_ _180\"> </span>\u221213<span class=\"_ _f4\"> </span>\u22125.703<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>folgsneutr<span class=\"_ _2\"></span>al zum beizulegenden Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t (FVOCI) bewertet<span class=\"_ _2de\"> </span><span class=\"ff2\">166<span class=\"_ _f4\"> </span></span>\u22125.916<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _35\"> </span><span class=\"ff2\">176<span class=\"_ _f4\"> </span></span>\u22122.367<span class=\"_ _39f\"> </span>Realisierter Er<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg aus Ver\u00e4nderung OCI-R\u00fccklage<span class=\"_ _299\"> </span>\u221210<span class=\"_ _f4\"> </span>\u22123.549<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die nicht als <span class=\"_ _2\"></span>Beteiligungen <span class=\"ff2 ls2 ws1\"> </span>gef\u00fchr<span class=\"_ _2\"></span>t werden<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Eigenkapitalinstr<span class=\"_ _2\"></span>umenten, <span class=\"_ _2\"></span>die als Beteiligungen gef\u00fchr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werden<span class=\"_ _d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeit<span class=\"_ _2\"></span>wert <span class=\"_ _2\"></span>bewer<span class=\"_ _2\"></span>tet <span class=\"_ _230\"> </span>\u22122.041<span class=\"_ _f4\"> </span>\u22122.530<span class=\"_ _39f\"> </span>Kurser<span class=\"_ _2\"></span>folg Forderungen <span class=\"_ _2\"></span>Kreditinstitute / <span class=\"_ _2\"></span>Forderungen Kunden <span class=\"_ _2\"></span>(SPPI-sch\u00e4dlich)<span class=\"_ _1da\"> </span><span class=\"ff2\">47<span class=\"_ _eb\"> </span></span>\u22122.697<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Fremdka<span class=\"_ _2\"></span>pitalinstrume<span class=\"_ _2\"></span>nte<span class=\"_ _17f\"> </span><span class=\"ff2\">444<span class=\"_ _10d\"> </span></span>\u2212165<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Eigenkapit<span class=\"_ _2\"></span>alinstrumente<span class=\"_ _2ac\"> </span>\u22122.533<span class=\"_ _6a\"> </span><span class=\"ff2\">332<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg \u2013 <span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _15a\"> </span><span class=\"ff2\">246<span class=\"_ _99\"> </span>1.918<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Schuldverschreibungen (Akti<span class=\"_ _2\"></span>va)<span class=\"_ _1d4\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Schuldverschreibungen (Aktiva)<span class=\"_ _182\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Emissionen <span class=\"_ _2\"></span>(Passiva)<span class=\"_ _52\"> </span>\u221212.199<span class=\"_ _e1\"> </span>\u221216.328<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg Sicher<span class=\"_ _2\"></span>ungsinstrument <span class=\"_ _2\"></span>Emissionen (Passiva)<span class=\"_ _b5\"> </span><span class=\"ff2\">12.445<span class=\"_ _145\"> </span>18.246<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Fair <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>alue Hedge Accounting<span class=\"_ _267\"> </span>\u22122.448<span class=\"_ _99\"> </span><span class=\"ff2\">1.927<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften<span class=\"_ _1a9\"> </span><span class=\"ff6f9 wse\">\u22124.090<span class=\"_ _e2\"> </span>\u221210.304<span class=\"_ _39f\"> </span></span>Die B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te sow<span class=\"_ _2\"></span>ie die <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inne <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Verlus<span class=\"_ _2\"></span>te au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Ausb<span class=\"_ _2\"></span>uchu<span class=\"_ _2\"></span>ng die<span class=\"_ _2\"></span>ser V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ugen <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>24a Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte <span class=\"_ _2\"></span><span class=\"ff5 ls2 ws1\"> </span>(zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bew<span class=\"_ _9\"></span>ertet) 2024<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert der ausgebuchten<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte Gewinne aus der Ausbuchung<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erluste aus der Ausbuchung<span class=\"_ _39f\"> </span>Schuldverschreibungen \u2013 Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell <span class=\"_ _2\"></span>\u201eHalten\u201c<span class=\"_ _29a\"> </span><span class=\"ff2\">169.992<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _18e\"> </span></span></span>\u221213<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den \u2013 G<span class=\"_ _2\"></span>esch\u00e4ftsmod<span class=\"_ _2\"></span>ell \u201eHalten\u201c<span class=\"_ _7f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _255\"> </span>0<span class=\"_ _d9\"> </span>0<span class=\"_ _39f\"> </span></span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _243\"> </span><span class=\"ff5\">169.992<span class=\"_ _2df\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _121\"> </span></span></span>\u221213<span class=\"_ _39f\"> </span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte <span class=\"ff5 ls2 ws1\"> </span>(zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bew<span class=\"_ _9\"></span>ertet) 2023<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert der ausgebuchten<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte Gewinne aus der Ausbuchung<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erluste aus der Ausbuchung<span class=\"_ _39f\"> </span>Schuldverschreibungen \u2013 Gesch\u00e4f<span class=\"_ _2\"></span>tsmodell <span class=\"_ _2\"></span>\u201eHalten\u201c<span class=\"_ _1e4\"> </span><span class=\"ff2\">33.514<span class=\"_ _255\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2c\"> </span></span></span>\u22125.703<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den \u2013 G<span class=\"_ _2\"></span>esch\u00e4ftsmod<span class=\"_ _2\"></span>ell \u201eHalten\u201c<span class=\"_ _7f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _255\"> </span>0<span class=\"_ _d9\"> </span>0<span class=\"_ _39f\"> </span></span>Ausbuchung finanzieller V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _16c\"> </span><span class=\"ff5\">33.514<span class=\"_ _2df\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span></span></span>\u22125.703<span class=\"_ _39f\"> </span>33 <span class=\"ws1\">Sonstige Angaben<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _31e\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Sicherheit <span class=\"_ _2\"></span>gestellte V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>m\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _163\"> </span><span class=\"ff2\">715.887<span class=\"_ _12b\"> </span>696.022<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _27f\"> </span><span class=\"ff2\">30.454<span class=\"_ _145\"> </span>33.970<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _31f\"> </span><span class=\"ff2\">2.364.211<span class=\"_ _ee\"> </span>2.452.149<span class=\"_ _39f\"> </span></span>I) Als Sicherheit gestellte V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _52\"> </span><span class=\"wse\">3.110.551<span class=\"_ _125\"> </span>3.182.141<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten, f\u00fcr <span class=\"_ _2\"></span>die Sicherh<span class=\"_ _2\"></span>eiten \u00fcber<span class=\"_ _2\"></span>tragen wurden:<span class=\"_ _39f\"> </span>M\u00fcndelgeldeinlagen<span class=\"_ _320\"> </span><span class=\"ff2\">25.452<span class=\"_ _145\"> </span>26.525<span class=\"_ _39f\"> </span></span>Begebene Schuldverschreibungen<span class=\"_ _20c\"> </span><span class=\"ff2\">440.772<span class=\"_ _90\"> </span>237.792<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">878.005<span class=\"_ _12b\"> </span>994.911<span class=\"_ _39f\"> </span></span>II) V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten, f\u00fcr die Sicherheiten \u00fcber<span class=\"_ _2\"></span>tragen wurden<span class=\"_ _190\"> </span><span class=\"wse\">1.344.229<span class=\"_ _125\"> </span>1.259.228<span class=\"_ _39f\"> </span></span>Nachrangige V<span class=\"_ _9\"></span>erm\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _321\"> </span><span class=\"ff2\">14.197<span class=\"_ _145\"> </span>13.744<span class=\"_ _39f\"> </span></span>Aktien und an<span class=\"_ _2\"></span>dere nicht fes<span class=\"_ _2\"></span>tver<span class=\"_ _2\"></span>zinsliche Wertpapiere<span class=\"_ _22d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>III) N<span class=\"_ _2\"></span>achrangige V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _220\"> </span><span class=\"wse\">14.197<span class=\"_ _13d\"> </span>13.744<span class=\"_ _39f\"> </span></span>Fremdw\u00e4hrungsvolumen:<span class=\"_ _39f\"> </span>Forderungen<span class=\"_ _314\"> </span><span class=\"ff2 lse wse\">1.339.761<span class=\"_ _8e\"> </span>1.140.998<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _322\"> </span><span class=\"ff2\">740.464<span class=\"_ _12b\"> </span>703.649<span class=\"_ _39f\"> </span></span>IV) Fremdw\u00e4hrungsv<span class=\"_ _9\"></span>olumen<span class=\"_ _39f\"> </span>Auslandsvolumen:<span class=\"_ _39f\"> </span>Auslandsaktiva<span class=\"_ _2e1\"> </span><span class=\"ff2\">5.459.656<span class=\"_ _ee\"> </span>5.213.386<span class=\"_ _39f\"> </span></span>Auslandspassiva<span class=\"_ _323\"> </span><span class=\"ff2\">4.455.096<span class=\"_ _ee\"> </span>3.519.063<span class=\"_ _39f\"> </span></span>V) Auslandsvolumen<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>reuhandforderungen:<span class=\"_ _324\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089</span> Forderungen an <span class=\"_ _2\"></span>Kunden<span class=\"_ _2dc\"> </span><span class=\"ff2\">14.965<span class=\"_ _f4\"> </span>18.089<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>reuhandverpflichtungen:<span class=\"_ _23c\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _202\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>VI) T<span class=\"_ _10\"></span>reuhandgesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>VII) Echte Pensionsgesc<span class=\"_ _9\"></span>h\u00e4fte<span class=\"_ _2e2\"> </span><span class=\"wse\">23.000<span class=\"_ _97\"> </span>358.447<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien <span class=\"_ _2\"></span>und Kreditr<span class=\"_ _2\"></span>isiken:<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien<span class=\"_ _1fb\"> </span><span class=\"ff2\">1.497.898<span class=\"_ _8e\"> </span>1.442.582<span class=\"_ _39f\"> </span></span>Kreditrisiken<span class=\"_ _1a7\"> </span><span class=\"ff2\">3.014.949<span class=\"_ _ee\"> </span>2.944.489<span class=\"_ _39f\"> </span></span>VIII) Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllungsgarantien und Kreditrisiken<span class=\"_ _20a\"> </span><span class=\"wse\">4.512.847<span class=\"_ _125\"> </span>4.387.071<span class=\"_ _39f\"> </span></span>IX) Offene Ca<span class=\"_ _2\"></span>pital Calls<span class=\"_ _2a5\"> </span><span class=\"wse\">3.940<span class=\"_ _192\"> </span>6.213<span class=\"_ _39f\"> </span></span>Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>irol un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>enges<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t in For<span class=\"_ _2\"></span>m ein<span class=\"_ _2\"></span>er Ko<span class=\"_ _2\"></span>mman<span class=\"_ _2\"></span>ditei<span class=\"_ _2\"></span>nlage in H<span class=\"_ _2\"></span>\u00f6he von m<span class=\"_ _2\"></span>ax<span class=\"_ _2\"></span>imal 10.0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac an <span class=\"ff2\"> </span>der G<span class=\"_ _2\"></span>ain Ca<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y I<span class=\"_ _2\"></span>II SC<span class=\"_ _2\"></span>Sp m<span class=\"_ _2\"></span>it Sit<span class=\"_ _2\"></span>z in L<span class=\"_ _2\"></span>uxembur<span class=\"_ _2\"></span>g be<span class=\"_ _2\"></span>teilig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e insges<span class=\"_ _2\"></span>amt zuge<span class=\"_ _2\"></span>sag<span class=\"_ _3\"></span>te Komm<span class=\"_ _2\"></span>andi<span class=\"_ _2\"></span>teinl<span class=\"_ _2\"></span>age in H<span class=\"_ _2\"></span>\u00f6he von 1<span class=\"_ _9\"></span>0.0<span class=\"_ _3\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac k<span class=\"_ _2\"></span>ann je n<span class=\"_ _2\"></span>ach B<span class=\"_ _2\"></span>eda<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f in S<span class=\"_ _2\"></span>umme od<span class=\"_ _2\"></span>er in m<span class=\"_ _2\"></span>ehre<span class=\"_ _2\"></span>ren T<span class=\"_ _9\"></span>ran<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n von der G<span class=\"_ _2\"></span>ain C<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>ate Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y I<span class=\"_ _2\"></span>II S<span class=\"_ _2\"></span>CSp a<span class=\"_ _2\"></span>bger<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>en <span class=\"ff2\"> </span>werde<span class=\"_ _2\"></span>n (Capit<span class=\"_ _2\"></span>al Cal<span class=\"_ _2\"></span>ls<span class=\"_ _9\"></span>). Per 31<span class=\"_ _4\"></span>. De<span class=\"_ _2\"></span>zemb<span class=\"_ _2\"></span>er 2024 best<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n noc<span class=\"_ _2\"></span>h of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene C<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal C<span class=\"_ _2\"></span>alls in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>irol un<span class=\"_ _2\"></span>d V<span class=\"_ _9\"></span>orar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg AG ist i<span class=\"_ _2\"></span>n For<span class=\"_ _2\"></span>m eine<span class=\"_ _2\"></span>r Kom<span class=\"_ _2\"></span>mandi<span class=\"_ _2\"></span>teinl<span class=\"_ _2\"></span>age in H<span class=\"_ _2\"></span>\u00f6he von m<span class=\"_ _2\"></span>axim<span class=\"_ _2\"></span>al 4.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac an de<span class=\"_ _2\"></span>r \u00f6ste<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ichi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Onsig<span class=\"_ _2\"></span>ht Ventures (<span class=\"_ _2\"></span>EuVECA) GmbH &amp; Co KG be<span class=\"_ _2\"></span>teilig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Die i<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt zuge<span class=\"_ _2\"></span>sag<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Komm<span class=\"_ _2\"></span>andit<span class=\"_ _2\"></span>einl<span class=\"_ _2\"></span>age in H\u00f6<span class=\"_ _2\"></span>he von 4<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac k<span class=\"_ _2\"></span>ann je nac<span class=\"_ _2\"></span>h Bed<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>f in Summe o<span class=\"_ _2\"></span>der i<span class=\"_ _2\"></span>n mehr<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en von de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t abg<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en (Capit<span class=\"_ _2\"></span>al C<span class=\"_ _2\"></span>alls<span class=\"_ _9\"></span>). Per 31<span class=\"_ _4\"></span>. D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en noc<span class=\"_ _2\"></span>h of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>e Capi<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>l Calls i<span class=\"_ _2\"></span>n H\u00f6h<span class=\"_ _2\"></span>e von 1<span class=\"_ _9\"></span>.0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nsak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, bei d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re mit d<span class=\"_ _2\"></span>er Vereinba<span class=\"_ _2\"></span>rung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r R\u00fcck<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ung zu ei<span class=\"_ _2\"></span>nem be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>n Zeit<span class=\"_ _2\"></span>punk<span class=\"_ _3\"></span>t verk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>rden a<span class=\"_ _2\"></span>ls Pensio<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>te be<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie in Pens<span class=\"_ _2\"></span>ion geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re werd<span class=\"_ _2\"></span>en weit<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>in in de<span class=\"_ _2\"></span>r Ban<span class=\"_ _2\"></span>k f\u00fcr T<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>ol und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ilanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>a im Wesentlic<span class=\"_ _2\"></span>hen a<span class=\"_ _2\"></span>lle mit d<span class=\"_ _2\"></span>em Eige<span class=\"_ _2\"></span>ntum ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nen Cha<span class=\"_ _2\"></span>ncen u<span class=\"_ _2\"></span>nd Ri<span class=\"_ _2\"></span>siken b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r Bank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarl<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>g Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t ve<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>leib<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zinst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e werde<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h Ausla<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n des Pen<span class=\"_ _2\"></span>sionsge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>s r\u00fcc<span class=\"_ _2\"></span>k\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>st w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd der L<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeit d<span class=\"_ _2\"></span>es Pensio<span class=\"_ _2\"></span>nsgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tes B<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r alle<span class=\"_ _2\"></span>r Zinsz<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen un<span class=\"_ _2\"></span>d sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>r w\u00e4h<span class=\"_ _2\"></span>rend d<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it er<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tene<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e. D<span class=\"_ _2\"></span>ie Bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung al<span class=\"_ _2\"></span>s Fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>icht de<span class=\"_ _2\"></span>m wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>chen G<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>alt de<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on. I<span class=\"_ _2\"></span>m Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n von Pension<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>re an Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e \u00fcber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>er Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t ohn<span class=\"_ _2\"></span>e Zins<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zung be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t pe<span class=\"_ _2\"></span>r 31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 insgesamt 6<span class=\"_ _3\"></span>45.75<span class=\"_ _2\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 621.985 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>uchwer<span class=\"_ _3\"></span>t ohne Zins<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>ung 657<span class=\"_ _10\"></span>.48<span class=\"_ _3\"></span>4 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>42<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>097 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>). D<span class=\"_ _2\"></span>ie Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>ere si<span class=\"_ _2\"></span>nd mit e<span class=\"_ _2\"></span>inem B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rag vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>4.<span class=\"_ _3\"></span>320 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 201.832 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) der K<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie \u201e<span class=\"_ _3\"></span>Schu<span class=\"_ _2\"></span>ldti<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al zum b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t\u201c, mit 0 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) der K<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dtite<span class=\"_ _2\"></span>l (Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Op<span class=\"_ _2\"></span>tion)<span class=\"_ _4\"></span>\u201c und m<span class=\"_ _2\"></span>it 503<span class=\"_ _2\"></span>.<span class=\"_ _4\"></span>164 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>265 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie \u201e<span class=\"_ _3\"></span>Sch<span class=\"_ _2\"></span>uldt<span class=\"_ _2\"></span>itel<span class=\"_ _2\"></span>, zu for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>\u201c gew<span class=\"_ _2\"></span>idme<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die d<span class=\"_ _2\"></span>azugeh<span class=\"_ _2\"></span>\u00f6rig<span class=\"_ _2\"></span>en Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten si<span class=\"_ _2\"></span>nd unte<span class=\"_ _2\"></span>r \u201e<span class=\"_ _4\"></span>Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>uten\u201c ausgewie<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>, die Aus<span class=\"_ _2\"></span>n\u00fct<span class=\"_ _2\"></span>zung p<span class=\"_ _2\"></span>er 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 betr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t 2<span class=\"_ _2\"></span>3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 350.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0<span class=\"_ _3\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). Die Ang<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h \u00a7 6<span class=\"_ _2\"></span>4 (1<span class=\"_ _10\"></span>) Z 10 und 1<span class=\"_ _10\"></span>1 BWG be<span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>n sich i<span class=\"_ _2\"></span>m Einzela<span class=\"_ _2\"></span>bsch<span class=\"_ _2\"></span>luss de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V AG zum 31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4. De<span class=\"_ _2\"></span>r Nom<span class=\"_ _2\"></span>inalb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r bege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>n bet<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 insgesam<span class=\"_ _2\"></span>t 1<span class=\"_ _9\"></span>.497<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>89<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>.4<span class=\"_ _2\"></span>42<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>582 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-21": {
   "value": "21 Provisions\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Provisionsertr\u00e4ge aus<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _2cf\"> </span><span class=\"ff2\">17.831<span class=\"_ _145\"> </span>17.070<span class=\"_ _39f\"> </span></span>Zahlungsverkehr<span class=\"_ _2d0\"> </span><span class=\"ff2\">20.129<span class=\"_ _145\"> </span>18.535<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">32.606<span class=\"_ _145\"> </span>30.693<span class=\"_ _39f\"> </span></span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _27c\"> </span><span class=\"ff2\">4.329<span class=\"_ _99\"> </span>4.591<span class=\"_ _39f\"> </span></span>Sonstigem Dienstleist<span class=\"_ _2\"></span>ungsgesch\u00e4ft<span class=\"_ _2d1\"> </span><span class=\"ff2\">2.159<span class=\"_ _99\"> </span>1.825<span class=\"_ _39f\"> </span></span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsertr\u00e4ge<span class=\"_ _2d2\"> </span><span class=\"wse\">77.053<span class=\"_ _13d\"> </span>72.714<span class=\"_ _39f\"> </span></span>Provisionsaufwendungen f\u00fcr<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _294\"> </span>\u22129.733<span class=\"_ _f4\"> </span>\u22129.439<span class=\"_ _39f\"> </span>Zahlungsverkehr<span class=\"_ _2d3\"> </span>\u22124.063<span class=\"_ _f4\"> </span>\u22123.466<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d4\"> </span>\u22121.957<span class=\"_ _f4\"> </span>\u22121.930<span class=\"_ _39f\"> </span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _28d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstiges Dienstleistungsgesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d5\"> </span>\u221236<span class=\"_ _11c\"> </span>\u221254<span class=\"_ _39f\"> </span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsaufwendungen<span class=\"_ _28\"> </span><span class=\"ff6f9 wse\">\u221215.790<span class=\"_ _e2\"> </span>\u221214.889<span class=\"_ _39f\"> </span></span>Provisi<span class=\"_ _9\"></span>ons\u00fcberschuss<span class=\"_ _296\"> </span>61.264<span class=\"_ _13d\"> </span>57.825<span class=\"_ _39f\"> </span>Die in d<span class=\"_ _2\"></span>er obig<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten P<span class=\"_ _2\"></span>rovi<span class=\"_ _2\"></span>sionse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und -<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wendu<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>lten E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>821 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>520 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 9.<span class=\"_ _2\"></span>957 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.633 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) aus finanzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten und Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, die nic<span class=\"_ _2\"></span>ht er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>, die in die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung <span class=\"ff2\"> </span>der Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sind in di<span class=\"_ _2\"></span>esen E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n nicht e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. Da<span class=\"_ _2\"></span>s W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t Prov<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im Ra<span class=\"_ _2\"></span>hmen t<span class=\"_ _2\"></span>reuh<span class=\"_ _2\"></span>\u00e4ndis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r und an<span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>r fiduz<span class=\"_ _2\"></span>iari<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, in de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n h\u00e4lt o<span class=\"_ _2\"></span>der inve<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, er<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-593": {
   "value": "21 Provisions\u00fcbersc<span class=\"_ _9\"></span>huss<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span></span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013 31.12.2023<span class=\"_ _39f\"> </span>Provisionsertr\u00e4ge aus<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _2cf\"> </span><span class=\"ff2\">17.831<span class=\"_ _145\"> </span>17.070<span class=\"_ _39f\"> </span></span>Zahlungsverkehr<span class=\"_ _2d0\"> </span><span class=\"ff2\">20.129<span class=\"_ _145\"> </span>18.535<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _26b\"> </span><span class=\"ff2\">32.606<span class=\"_ _145\"> </span>30.693<span class=\"_ _39f\"> </span></span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _27c\"> </span><span class=\"ff2\">4.329<span class=\"_ _99\"> </span>4.591<span class=\"_ _39f\"> </span></span>Sonstigem Dienstleist<span class=\"_ _2\"></span>ungsgesch\u00e4ft<span class=\"_ _2d1\"> </span><span class=\"ff2\">2.159<span class=\"_ _99\"> </span>1.825<span class=\"_ _39f\"> </span></span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsertr\u00e4ge<span class=\"_ _2d2\"> </span><span class=\"wse\">77.053<span class=\"_ _13d\"> </span>72.714<span class=\"_ _39f\"> </span></span>Provisionsaufwendungen f\u00fcr<span class=\"_ _39f\"> </span>Kreditgesch\u00e4ft<span class=\"_ _294\"> </span>\u22129.733<span class=\"_ _f4\"> </span>\u22129.439<span class=\"_ _39f\"> </span>Zahlungsverkehr<span class=\"_ _2d3\"> </span>\u22124.063<span class=\"_ _f4\"> </span>\u22123.466<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tpapiergesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d4\"> </span>\u22121.957<span class=\"_ _f4\"> </span>\u22121.930<span class=\"_ _39f\"> </span>Devisen-, Sor<span class=\"_ _2\"></span>ten- und Edelmet<span class=\"_ _2\"></span>allgesch\u00e4ft<span class=\"_ _28d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sonstiges Dienstleistungsgesch\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2d5\"> </span>\u221236<span class=\"_ _11c\"> </span>\u221254<span class=\"_ _39f\"> </span>Zwischensumme Provisi<span class=\"_ _9\"></span>onsaufwendungen<span class=\"_ _28\"> </span><span class=\"ff6f9 wse\">\u221215.790<span class=\"_ _e2\"> </span>\u221214.889<span class=\"_ _39f\"> </span></span>Provisi<span class=\"_ _9\"></span>ons\u00fcberschuss<span class=\"_ _296\"> </span>61.264<span class=\"_ _13d\"> </span>57.825<span class=\"_ _39f\"> </span>Die in d<span class=\"_ _2\"></span>er obig<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e ange<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten P<span class=\"_ _2\"></span>rovi<span class=\"_ _2\"></span>sionse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und -<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wendu<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>lten E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>821 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 27<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>520 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>\u00f6he von 9.<span class=\"_ _2\"></span>957 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 9.633 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) aus finanzie<span class=\"_ _2\"></span>llen Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ten und Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, die nic<span class=\"_ _2\"></span>ht er<span class=\"_ _3\"></span>fol<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam zu<span class=\"_ _2\"></span>m beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>et wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>, die in die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung <span class=\"ff2\"> </span>der Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>zinss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze einb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sind in di<span class=\"_ _2\"></span>esen E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n und Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n nicht e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n. Da<span class=\"_ _2\"></span>s W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t Prov<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e von der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im Ra<span class=\"_ _2\"></span>hmen t<span class=\"_ _2\"></span>reuh<span class=\"_ _2\"></span>\u00e4ndis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r und an<span class=\"_ _2\"></span>dere<span class=\"_ _2\"></span>r fiduz<span class=\"_ _2\"></span>iari<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>, in de<span class=\"_ _2\"></span>nen d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n h\u00e4lt o<span class=\"_ _2\"></span>der inve<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, er<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>23 Handelsergebnis <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span></span>01.01.\u2013 31.12.2024<span class=\"_ _39f\"> </span>01.01.\u2013<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Derivaten<span class=\"_ _2d9\"> </span><span class=\"ff2\">96<span class=\"_ _f4\"> </span></span>\u22121.143<span class=\"_ _39f\"> </span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Schuldverschreibungen<span class=\"_ _2da\"> </span><span class=\"ff2 ls2 ws1\">1<span class=\"_ _99\"> </span></span><span class=\"ff2\">1.936<span class=\"_ _39f\"> </span></span>Bewert<span class=\"_ _2\"></span>ungs- und Realisationser<span class=\"_ _2\"></span>folg a<span class=\"_ _2\"></span>us Fonds<span class=\"_ _2db\"> </span><span class=\"ff2\">2.919<span class=\"_ _99\"> </span>1.855<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Devisen <span class=\"_ _2\"></span>und Valuten<span class=\"_ _2dc\"> </span><span class=\"ff2\">156<span class=\"_ _6a\"> </span>581<span class=\"_ _39f\"> </span></span>Handelsergebnis<span class=\"_ _2dd\"> </span>3.172<span class=\"_ _192\"> </span>3.229<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-619": {
   "value": "25 V<span class=\"_ _9\"></span>erwaltungsau<span class=\"_ _2\"></span>fwand<span class=\"ls2 ws1\"> <span class=\"fs9 ls16\">in T<span class=\"_ _9\"></span>sd. \u20ac</span></span><span class=\"ls2 ws1\"><span class=\"fs9 ls16\"><span class=\"_ _2e0\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _b6\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span>Personalaufwand<span class=\"_ _2e1\"> </span>\u2212150.007<span class=\"_ _128\"> </span>\u2212136.779<span class=\"_ _39f\"> </span>davon L\u00f6hne und Ge<span class=\"_ _2\"></span>h\u00e4lter<span class=\"_ _2e2\"> </span>\u2212103.942<span class=\"_ _106\"> </span>\u221292.765<span class=\"_ _39f\"> </span>davon gesetzliche Sozialabgaben<span class=\"_ _28d\"> </span>\u221225.885<span class=\"_ _e7\"> </span>\u221223.765<span class=\"_ _39f\"> </span>davon sonstiger Personalaufwand<span class=\"_ _1db\"> </span>\u221218.865<span class=\"_ _106\"> </span>\u221219.107<span class=\"_ _39f\"> </span>davon Aufwendungen f\u00fcr langfr<span class=\"_ _2\"></span>istige Personalr\u00fcckstellungen<span class=\"_ _2e3\"> </span>\u22121.314<span class=\"_ _1cc\"> </span>\u22121.142<span class=\"_ _39f\"> </span>Sachaufwand<span class=\"_ _2cf\"> </span>\u221279.761<span class=\"_ _106\"> </span>\u221265.736<span class=\"_ _39f\"> </span>Abschreibungen<span class=\"_ _1ee\"> </span>\u221238.039<span class=\"_ _106\"> </span>\u221236.213   <span class=\"_ _2\"></span> davon Abschreibungen auf aktivie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Nutzungsrechte f\u00fcr <span class=\"_ _2\"></span>Leasinggegenst\u00e4nde gem\u00e4\u00df <span class=\"_ _2\"></span>IFR<span class=\"_ _2\"></span>S 16<span class=\"_ _24a\"> </span>\u22126.246<span class=\"_ _9a\"> </span>\u22126.111<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>waltungsau<span class=\"_ _2\"></span>fwand<span class=\"_ _1dc\"> </span><span class=\"ff6f9\">\u2212267.808<span class=\"_ _b9\"> </span>\u2212238.728<span class=\"_ _39f\"> </span></span>Im Per<span class=\"_ _2\"></span>sonal<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d sind Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndunge<span class=\"_ _2\"></span>n f\u00fc<span class=\"_ _2\"></span>r beit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gso<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te Versor<span class=\"_ _2\"></span>gu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>l\u00e4ne i<span class=\"_ _2\"></span>n H\u00f6h<span class=\"_ _2\"></span>e von 3.<span class=\"_ _2\"></span>01<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>86 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>rnge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n wurd<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amm<span class=\"_ _2\"></span>enha<span class=\"_ _2\"></span>ng mit COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19 die Entsc<span class=\"_ _2\"></span>h\u00e4dig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n nac<span class=\"_ _2\"></span>h dem Ep<span class=\"_ _2\"></span>idem<span class=\"_ _2\"></span>ieG in H<span class=\"_ _2\"></span>\u00f6he vo<span class=\"_ _2\"></span>n 258 T<span class=\"_ _9\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 320 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) in An<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>uch g<span class=\"_ _2\"></span>enom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V w\u00e4hl<span class=\"_ _2\"></span>t hier g<span class=\"_ _2\"></span>em\u00e4<span class=\"_ _2\"></span>\u00df IA<span class=\"_ _2\"></span>S 20 d<span class=\"_ _2\"></span>ie Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tod<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>ei de<span class=\"_ _2\"></span>r die Zuwend<span class=\"_ _2\"></span>ungen d<span class=\"_ _2\"></span>en ausg<span class=\"_ _2\"></span>ewies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Pers<span class=\"_ _2\"></span>onala<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand k<span class=\"_ _2\"></span>\u00fcr<span class=\"_ _2\"></span>zen<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-24": {
   "value": "Die <span class=\"_ _2\"></span>vom A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usspr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rns <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Auf<span class=\"_ _3\"></span>wendu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>es- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>absc<span class=\"_ _2\"></span>hlusse<span class=\"_ _2\"></span>s und d<span class=\"_ _2\"></span>ie s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ugen <span class=\"_ _2\"></span>(in<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>. ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r U<span class=\"_ _2\"></span>msat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>euer):<span class=\"_ _39f\"> </span>25<span class=\"ls2 ws1\">a <span class=\"lse\">Aufwendungen an A<span class=\"_ _9\"></span>bschlusspr\u00fcfer<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span></span><span class=\"ls2 ws1\"><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _28\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _10d\"> </span>2023*<span class=\"_ _39f\"> </span></span></span></span></span></span>Abschlusspr\u00fcfung Einzel- und Konzernabschluss<span class=\"_ _232\"> </span><span class=\"ff2\">554<span class=\"_ _116\"> </span>514<span class=\"_ _39f\"> </span></span>Andere Bes<span class=\"_ _2\"></span>t\u00e4tigungsleistungen<span class=\"_ _2b3\"> </span><span class=\"ff2\">126<span class=\"_ _116\"> </span>124<span class=\"_ _39f\"> </span></span>Sonstige Leistungen<span class=\"_ _2e4\"> </span><span class=\"ff2\">84<span class=\"_ _148\"> </span>57<span class=\"_ _39f\"> </span></span>Aufwendung<span class=\"_ _9\"></span>en an Absc<span class=\"_ _9\"></span>hlusspr\u00fcfer<span class=\"_ _23d\"> </span><span class=\"wse\">764<span class=\"_ _61\"> </span>695<span class=\"_ _39f\"> </span></span>* An<span class=\"_ _2\"></span>pas<span class=\"_ _2\"></span>sung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Vorja<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>ung",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-23": {
   "value": "25<span class=\"ls2 ws1\">b <span class=\"lse\">Mitarbeiterstand im J<span class=\"_ _2\"></span>ahresdurchschnitt ge<span class=\"_ _9\"></span>wichtet<span class=\"ls2\"> <span class=\"fs9 ls16\">in Personenjahr<span class=\"_ _9\"></span>en</span></span></span></span><span class=\"ls2 ws1\"><span class=\"lse\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _2be\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span></span>Anges<span class=\"_ _2\"></span>tellte<span class=\"_ _1bf\"> </span><span class=\"ff2 lse wse\">1.060<span class=\"_ _fd\"> </span>1.034<span class=\"_ _39f\"> </span></span>Arbeiter<span class=\"_ _1b3\"> </span><span class=\"ff2\">508<span class=\"_ _116\"> </span>488<span class=\"_ _39f\"> </span></span>Mitarbeiterstand<span class=\"_ _2b5\"> </span>1.568<span class=\"_ _14b\"> </span>1.522<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us w<span class=\"_ _2\"></span>aren <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr d<span class=\"_ _2\"></span>urchs<span class=\"_ _2\"></span>chni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h 1<span class=\"_ _4\"></span>2 M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>3 M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>) an n<span class=\"_ _2\"></span>ahe s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r ob<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-22": {
   "value": "26 Sonstiger betrieblicher Erfolg<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _39\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>tr\u00e4ge aus sonstigen G<span class=\"_ _2\"></span>esch\u00e4ften<span class=\"_ _1bb\"> </span><span class=\"ff2\">181.598<span class=\"_ _91\"> </span>135.575<span class=\"_ _39f\"> </span></span>Aufwendungen aus sonstigen G<span class=\"_ _2\"></span>esch\u00e4ften<span class=\"_ _141\"> </span>\u221229.782<span class=\"_ _e7\"> </span>\u221230.326<span class=\"_ _39f\"> </span>Sonstiger betrieblicher Erfolg<span class=\"_ _2e5\"> </span><span class=\"wse\">151.816<span class=\"_ _12e\"> </span>105.249<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t (Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt S<span class=\"_ _2\"></span>eilb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>von 1<span class=\"_ _9\"></span>40<span class=\"_ _2\"></span>.61<span class=\"_ _10\"></span>5 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>24.2<span class=\"_ _2\"></span>91 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n aus sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>f sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 auf <span class=\"_ _2\"></span>4.4<span class=\"_ _2\"></span>66 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>4.<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg <span class=\"_ _2\"></span>sind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ihil<span class=\"_ _2\"></span>fen <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 29<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _4\"></span>22 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) entha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-546": {
   "value": "26 Sonstiger betrieblicher Erfolg<span class=\"fs9 ls16\"> in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _39\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f8\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>tr\u00e4ge aus sonstigen G<span class=\"_ _2\"></span>esch\u00e4ften<span class=\"_ _1bb\"> </span><span class=\"ff2\">181.598<span class=\"_ _91\"> </span>135.575<span class=\"_ _39f\"> </span></span>Aufwendungen aus sonstigen G<span class=\"_ _2\"></span>esch\u00e4ften<span class=\"_ _141\"> </span>\u221229.782<span class=\"_ _e7\"> </span>\u221230.326<span class=\"_ _39f\"> </span>Sonstiger betrieblicher Erfolg<span class=\"_ _2e5\"> </span><span class=\"wse\">151.816<span class=\"_ _12e\"> </span>105.249<span class=\"_ _39f\"> </span></span>In d<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>rl\u00f6s<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>bank<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t (Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt S<span class=\"_ _2\"></span>eilb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>von 1<span class=\"_ _9\"></span>40<span class=\"_ _2\"></span>.61<span class=\"_ _10\"></span>5 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>24.2<span class=\"_ _2\"></span>91 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>ausgew<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Summe <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>en Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n aus sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n sind<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>f sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 auf <span class=\"_ _2\"></span>4.4<span class=\"_ _2\"></span>66 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>4.<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Im s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eblic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg <span class=\"_ _2\"></span>sind i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>ngese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>aat<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ihil<span class=\"_ _2\"></span>fen <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 29<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _4\"></span>22 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _a\"></span>) entha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-25": {
   "value": "28 <span class=\"ws1\">Ergebnis je Aktie (Stammaktien)<span class=\"_ _2c4\"> </span></span>2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span>Aktienanzahl (Stammaktien)<span class=\"_ _2d5\"> </span><span class=\"ff2\">37.125.000<span class=\"_ _f2\"> </span>37.125.000<span class=\"_ _39f\"> </span></span>Durchschnittliche Anzahl der <span class=\"_ _2\"></span>umlaufenden <span class=\"_ _2\"></span>Aktien (Stammaktien)<span class=\"_ _146\"> </span><span class=\"ff2\">37.102.292<span class=\"_ _f2\"> </span>37.104.357<span class=\"_ _39f\"> </span></span>Den Eigent\u00fcmern zurechenbarer <span class=\"_ _2\"></span>Konzernjahres\u00fcberschuss in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _2ec\"> </span><span class=\"ff2\">217.825<span class=\"_ _12b\"> </span>191.443<span class=\"_ _39f\"> </span></span>Gewinn je Aktie <span class=\"_ _2\"></span>in \u20ac<span class=\"_ _2ed\"> </span>5,87<span class=\"_ _d5\"> </span>5,16<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w\u00e4sserter <span class=\"_ _2\"></span>Gewinn je Aktie <span class=\"_ _2\"></span>in \u20ac (Stammaktien)<span class=\"_ _31\"> </span>5,87<span class=\"_ _d5\"> </span>5,16<span class=\"_ _39f\"> </span>Dividende je <span class=\"_ _2\"></span>Aktie in \u20ac<span class=\"_ _2a8\"> </span>0,60*<span class=\"_ _d5\"> </span>0,40<span class=\"_ _39f\"> </span>* Sonderdividend<span class=\"_ _2\"></span>e von 0,20 \u20ac je Aktie enthalten<span class=\"_ _39f\"> </span>Im Berichtszeitraum waren <span class=\"_ _2\"></span>keine Finanzinstrumente mit Verw\u00e4sserungseffekt <span class=\"_ _2\"></span>auf die Stammaktie<span class=\"_ _2\"></span>n im Umlau<span class=\"_ _2\"></span>f. Daraus resultier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dass die W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te \u201eGewinn je Aktie\u201c und \u201eVerw\u00e4sser<span class=\"_ _2\"></span>ter Gewinn je Aktie\u201c id<span class=\"_ _2\"></span>ent sind.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-614": {
   "value": "29 Gewinnverwendung Der ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>ige Gew<span class=\"_ _2\"></span>inn wi<span class=\"_ _2\"></span>rd anha<span class=\"_ _2\"></span>nd des J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usses d<span class=\"_ _2\"></span>er Ba<span class=\"_ _2\"></span>nk f<span class=\"_ _2\"></span>\u00fcr Ti<span class=\"_ _2\"></span>rol und Vorar<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>rg A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t fe<span class=\"_ _2\"></span>stg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>. Der e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tete J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>s\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss de<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>res 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 bet<span class=\"_ _2\"></span>rug 69.<span class=\"_ _2\"></span>378 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.793 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). N<span class=\"_ _2\"></span>ach R\u00fcc<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>-<span class=\"ff2\"> </span>dota<span class=\"_ _2\"></span>tion von 47<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>079 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 3<span class=\"_ _2\"></span>4.<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>93 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) und na<span class=\"_ _2\"></span>ch Zure<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng des G<span class=\"_ _2\"></span>ewinnvor<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ages e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt si<span class=\"_ _2\"></span>ch ein ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>iger Bila<span class=\"_ _2\"></span>nzgewin<span class=\"_ _2\"></span>n von 22<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>857 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.493 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>). Der V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>d ste<span class=\"_ _2\"></span>llt in d<span class=\"_ _2\"></span>er H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>vers<span class=\"_ _2\"></span>ammlung d<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>, f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>-<span class=\"_ _39f\"> </span>jahr 2<span class=\"_ _2\"></span>02<span class=\"_ _9\"></span>4 eine D<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>de von<span> <span class=\"gs2\" id=\"__1\">0,4 0</span></span> \u20ac je A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: <span><span class=\"gs2\" id=\"__2\">0,4 0</span></span> \u20ac<span class=\"_ _3\"></span>) sow<span class=\"_ _2\"></span>ie ein<span class=\"_ _2\"></span>e Sond<span class=\"_ _2\"></span>erdi<span class=\"_ _2\"></span>vid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e von 0,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0 \u20ac je Ak<span class=\"_ _3\"></span>tie (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 0,0<span class=\"_ _3\"></span>0 \u20ac<span class=\"_ _3\"></span>) auszus<span class=\"_ _2\"></span>ch\u00fct<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. Die Auss<span class=\"_ _2\"></span>ch\u00fct<span class=\"_ _3\"></span>tung er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _3\"></span>t dami<span class=\"_ _2\"></span>t insge<span class=\"_ _2\"></span>samt <span><span class=\"gs2\" id=\"__3\">2 2 . 275</span></span> T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>: 1<span class=\"_ _9\"></span>4.<span class=\"_ _2\"></span>85<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). De<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>blei<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>de Ge<span class=\"_ _2\"></span>winnr<span class=\"_ _2\"></span>est i<span class=\"_ _2\"></span>st auf ne<span class=\"_ _2\"></span>ue Rec<span class=\"_ _2\"></span>hnung vor<span class=\"_ _2\"></span>zut<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-547": {
   "value": "40.0",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "fact-548": {
   "value": "40.0",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "fact-549": {
   "value": "22275.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-26": {
   "value": "30 Segmentberichterstattun<span class=\"_ _9\"></span>g Die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>zern <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sreg<span class=\"_ _2\"></span>eln <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 8<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tin<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>for<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n basi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>m sog<span class=\"_ _2\"></span>enan<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Ma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>App<span class=\"_ _2\"></span>roac<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>\u201c<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er ve<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>enti<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis d<span class=\"_ _2\"></span>er inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>so da<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zust<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>sie vom <span class=\"_ _2\"></span>Hau<span class=\"_ _2\"></span>ptent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>s Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfig zur E<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>i<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dung \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>die Zut<span class=\"_ _2\"></span>eilung <span class=\"_ _2\"></span>von Ress<span class=\"_ _2\"></span>ource<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd zur <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r Per<span class=\"_ _3\"></span>for<span class=\"_ _2\"></span>mance <span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>rang<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie gem\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S 8 <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n qua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d qua<span class=\"_ _2\"></span>ntit<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Schwel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt<span class=\"_ _2\"></span>. Die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n ihr<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-27": {
   "value": "Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>ntb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die Profi<span class=\"_ _2\"></span>tcen<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung <span class=\"_ _2\"></span>und f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h Fi<span class=\"_ _2\"></span>nanc<span class=\"_ _2\"></span>ial M<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>tban<span class=\"_ _2\"></span>kbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>F\u00fcr da<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt L<span class=\"_ _2\"></span>easing <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ism<span class=\"_ _2\"></span>us H<span class=\"_ _2\"></span>olding <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t das <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>ige Rep<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ing P<span class=\"_ _2\"></span>ack<span class=\"_ _2\"></span>age <span class=\"_ _2\"></span>die m<span class=\"_ _2\"></span>a\u00dfgebl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tung. <span class=\"_ _2\"></span>Die G<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>en f\u00fcr <span class=\"_ _2\"></span>die S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung zur <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie <span class=\"_ _2\"></span>\u201e<span class=\"_ _3\"></span>And<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>te/Kon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges\u201c bild<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Pr<span class=\"_ _2\"></span>ofit<span class=\"_ _2\"></span>cente<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rec<span class=\"_ _2\"></span>hnung t<span class=\"_ _2\"></span>ourl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Mana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>ntb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Rep<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ing P<span class=\"_ _2\"></span>ack<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span>Die P<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>tcen<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung d<span class=\"_ _2\"></span>ient <span class=\"_ _2\"></span>dazu<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n M\u00e4<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>ten e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>ick \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisl<span class=\"_ _2\"></span>age d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>en Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebs<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>einh<span class=\"_ _2\"></span>eit z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eln u<span class=\"_ _2\"></span>nd so<span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>as U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmer<span class=\"_ _3\"></span>tum <span class=\"_ _2\"></span>vor O<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>u s<span class=\"_ _2\"></span>t\u00e4r<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tumf<span class=\"_ _2\"></span>eld <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>e no<span class=\"_ _2\"></span>ch kom<span class=\"_ _2\"></span>pet<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>ver<span class=\"_ _9\"></span>, dah<span class=\"_ _2\"></span>er i<span class=\"_ _2\"></span>st eine <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>sibili<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Hin<span class=\"_ _2\"></span>blick <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ezent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Ebe<span class=\"_ _2\"></span>ne not<span class=\"_ _3\"></span>wendig<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>ird z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>fitce<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _2\"></span>cente<span class=\"_ _2\"></span>r unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Profi<span class=\"_ _2\"></span>tcen<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>Leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge z<span class=\"_ _2\"></span>ugeor<span class=\"_ _2\"></span>dne<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, w\u00e4<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>Ser<span class=\"_ _3\"></span>vi<span class=\"_ _2\"></span>cece<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>die Le<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>fitce<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ingen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>ltung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>wand <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>net sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>rek<span class=\"_ _3\"></span>ten Pe<span class=\"_ _2\"></span>rso<span class=\"_ _2\"></span>nalkos<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n dir<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>ten S<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>aumkos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>verh<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Perso<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>-, -<span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>kosten<span class=\"_ _9\"></span> der internen Dien<span class=\"_ _9\"></span>stleistungsberei<span class=\"_ _9\"></span>che.<span class=\"_ _39f\"> </span>Die o<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>annte<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte <span class=\"_ _2\"></span>bild<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Jahr <span class=\"_ _2\"></span>2024 gege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e Ma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>s ab. Dies<span class=\"_ _2\"></span>e inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an de<span class=\"_ _2\"></span>n Vorst<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>nur <span class=\"_ _2\"></span>teilwe<span class=\"_ _2\"></span>ise d<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>sl<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>ngss<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndar<span class=\"_ _2\"></span>ds e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n, er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>sschl<span class=\"_ _2\"></span>ie\u00dflic<span class=\"_ _2\"></span>h auto<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>isier<span class=\"_ _3\"></span>t \u00fcb<span class=\"_ _2\"></span>er Vors<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>me bz<span class=\"_ _2\"></span>w. Sc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Stic<span class=\"_ _2\"></span>hta<span class=\"_ _2\"></span>g f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Date<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>ig in d<span class=\"_ _2\"></span>en Konze<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>uss e<span class=\"_ _2\"></span>inbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>bschl<span class=\"_ _2\"></span>usss<span class=\"_ _2\"></span>tich<span class=\"_ _2\"></span>tage <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>oc<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Inf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d ex<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>en Rechn<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ns b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uhen <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>lbe<span class=\"_ _2\"></span>n Dat<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>sis un<span class=\"_ _2\"></span>d wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzer<span class=\"_ _2\"></span>nre<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wesen <span class=\"_ _2\"></span>&amp; -<span class=\"_ _2\"></span>co<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ling un<span class=\"_ _2\"></span>d R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wesen <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Eine g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nsei<span class=\"_ _2\"></span>tige K<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>rolle<span class=\"_ _2\"></span>, l<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ende <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Plausi<span class=\"_ _2\"></span>bilisie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eam<span class=\"_ _2\"></span>s Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>, Cont<span class=\"_ _2\"></span>rol<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ling<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikocon<span class=\"_ _2\"></span>trol<span class=\"_ _2\"></span>ling sow<span class=\"_ _2\"></span>ie Me<span class=\"_ _2\"></span>ldewe<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>somit <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tet<span class=\"_ _3\"></span>. Das <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rium <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Abg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs Kund<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>in er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>er L<span class=\"_ _2\"></span>inie d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>euung<span class=\"_ _2\"></span>szus<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>reu<span class=\"_ _2\"></span>ungsz<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t k\u00f6nn<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uch zu unt<span class=\"_ _2\"></span>erj<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>\u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>zuo<span class=\"_ _2\"></span>rdnung <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>ofe<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>unwesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h, <span class=\"_ _2\"></span>im Vorjah<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>res<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ich n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>korr<span class=\"_ _2\"></span>igi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>In der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V sind im J<span class=\"_ _2\"></span>ahr 202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>folgende Segmente de<span class=\"_ _2\"></span>finier<span class=\"_ _2\"></span>t:<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>ant<span class=\"_ _3\"></span>wor<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t da<span class=\"_ _2\"></span>s F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt is<span class=\"_ _2\"></span>t ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nt<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>wor<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ich f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ngr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>-, M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l- <span class=\"_ _2\"></span>und G<span class=\"_ _2\"></span>ro\u00dfun<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>reuh<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>. Das P<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>seg<span class=\"_ _2\"></span>ment ist <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nte <span class=\"_ _2\"></span>Pri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, Fr<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>fle<span class=\"_ _2\"></span>r und <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>s b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tet i<span class=\"_ _2\"></span>m Wesentli<span class=\"_ _2\"></span>chen <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>rea<span class=\"_ _2\"></span>sur<span class=\"_ _3\"></span>y- un<span class=\"_ _2\"></span>d H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V AG<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>s\u00e4m<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he Le<span class=\"_ _2\"></span>asing<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V Le<span class=\"_ _2\"></span>asing <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>our<span class=\"_ _2\"></span>ismus <span class=\"_ _2\"></span>Hol<span class=\"_ _2\"></span>ding b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng Gm<span class=\"_ _2\"></span>bH<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>in wel<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he tour<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r b<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ilbah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Mayr<span class=\"_ _2\"></span>hof<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>bah<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>ilv<span class=\"_ _2\"></span>ret<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n Ho<span class=\"_ _2\"></span>lding Gmb<span class=\"_ _2\"></span>H ge<span class=\"_ _2\"></span>b\u00fcnd<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>issen <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>ebild<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, insbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Lea<span class=\"_ _2\"></span>sing s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>eilba<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die Verre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Le<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t zu M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tpr<span class=\"_ _2\"></span>eise<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>dies<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcnf <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spfli<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>mente<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rle<span class=\"_ _2\"></span>itung<span class=\"_ _2\"></span>ssp<span class=\"_ _2\"></span>alte <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>te/Kon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges\u201c die E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bniss<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V-we<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rnr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nungs<span class=\"_ _2\"></span>wes<span class=\"_ _2\"></span>en &amp; <span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>cont<span class=\"_ _2\"></span>rol<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ling<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Rech<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndsb\u00fc<span class=\"_ _2\"></span>ro, I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>Revisio<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>und I<span class=\"_ _2\"></span>T e<span class=\"_ _2\"></span>tc<span class=\"_ _2\"></span>. b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>es Weitere<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>m Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t im Wesent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>onso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e sowi<span class=\"_ _2\"></span>e unte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwelle<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en l<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>nde ko<span class=\"_ _2\"></span>nsoli<span class=\"_ _2\"></span>dier<span class=\"_ _3\"></span>te G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en (ALPEN<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>\u00c4N<span class=\"_ _2\"></span>D<span class=\"_ _2\"></span>ISCH<span class=\"_ _2\"></span>E G<span class=\"_ _2\"></span>AR<span class=\"_ _3\"></span>AN<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>IE <span class=\"_ _2\"></span>- G<span class=\"_ _2\"></span>ES<span class=\"_ _2\"></span>ELL<span class=\"_ _2\"></span>SCH<span class=\"_ _2\"></span>AF<span class=\"_ _3\"></span>T m<span class=\"_ _2\"></span>.b.<span class=\"_ _2\"></span>H<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>ilhe<span class=\"_ _2\"></span>lm<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>eil<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Stra<span class=\"_ _2\"></span>\u00dfe 4 <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H sow<span class=\"_ _2\"></span>ie T<span class=\"_ _2\"></span>iM<span class=\"_ _2\"></span>e Ho<span class=\"_ _2\"></span>lding <span class=\"_ _2\"></span>Gmb<span class=\"_ _2\"></span>H) z<span class=\"_ _2\"></span>ugeor<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>net<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Erl<span class=\"_ _2\"></span>\u00f6se d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>Fir<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iva<span class=\"_ _2\"></span>tk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e Le<span class=\"_ _2\"></span>asing we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n im M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>ebie<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>, welc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>\u00d6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h, S\u00fcdde<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Os<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chweiz <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>\u00fcdti<span class=\"_ _2\"></span>rol um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst<span class=\"_ _3\"></span>, er<span class=\"_ _3\"></span>wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>l\u00f6se <span class=\"_ _2\"></span>im Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ent T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing s<span class=\"_ _2\"></span>tam<span class=\"_ _2\"></span>men aussc<span class=\"_ _2\"></span>hlie\u00dfl<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us \u00d6s<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bedi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n Reg<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>bankc<span class=\"_ _2\"></span>har<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, ein <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>renz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es ge<span class=\"_ _2\"></span>og<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>Einzug<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>biet<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Auf <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>szuo<span class=\"_ _2\"></span>rdnung <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h ge<span class=\"_ _2\"></span>ogr<span class=\"_ _2\"></span>afi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>erk<span class=\"_ _2\"></span>mal<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>r wege<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>geor<span class=\"_ _2\"></span>dnet<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>ung ver<span class=\"_ _2\"></span>zic<span class=\"_ _2\"></span>htet<span class=\"_ _3\"></span>. Folge<span class=\"_ _2\"></span>nd we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebnis<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcnf <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>htige<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>iebe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Segment F<span class=\"_ _2\"></span>irmenkunden<span class=\"_ _39f\"> </span>Das F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>enk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, mit d<span class=\"_ _2\"></span>em op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is als H<span class=\"_ _2\"></span>aupte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>skom<span class=\"_ _2\"></span>pone<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, ste<span class=\"_ _2\"></span>llt die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sm\u00e4<span class=\"_ _2\"></span>\u00dfig gr\u00f6\u00dfte Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sspar<span class=\"_ _3\"></span>te dar. Im V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2023 e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte sich d<span class=\"_ _2\"></span>as Zi<span class=\"_ _2\"></span>nser<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis um +<span class=\"_ _9\"></span>3,<span class=\"_ _2\"></span>3 Mio. \u20ac a<span class=\"_ _2\"></span>uf 1<span class=\"_ _4\"></span>72<span class=\"_ _2\"></span>,4 Mio<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>. Die R<span class=\"_ _2\"></span>isikovor-<span class=\"_ _39f\"> </span>sorg<span class=\"_ _2\"></span>en im K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>ela<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ten d<span class=\"_ _2\"></span>as Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis mit \u22123<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>3 Mi<span class=\"_ _2\"></span>o. \u20ac<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r Provi<span class=\"_ _2\"></span>sions<span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>uss des S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>ichn<span class=\"_ _2\"></span>ete eine<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>g um +<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>9 Mio. \u20ac au<span class=\"_ _2\"></span>f 33,<span class=\"_ _2\"></span>2 Mio. \u20ac<span class=\"_ _a\"></span>. Der V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d er<span class=\"_ _2\"></span>h\u00f6hte si<span class=\"_ _2\"></span>ch um +6<span class=\"_ _2\"></span>,<span class=\"_ _9\"></span>1 Mio. \u20ac auf 62<span class=\"_ _3\"></span>,<span class=\"_ _2\"></span>3 Mio. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>as Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s aus F<span class=\"_ _2\"></span>inanzge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>b eine<span class=\"_ _2\"></span>n Sal<span class=\"_ _2\"></span>do in H\u00f6<span class=\"_ _2\"></span>he von +<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>0 Mio. \u20ac un<span class=\"_ _2\"></span>d erh<span class=\"_ _2\"></span>\u00f6hte sic<span class=\"_ _2\"></span>h im Vergle<span class=\"_ _2\"></span>ich zum Vorjah<span class=\"_ _2\"></span>r um +<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>,7 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. Vor alle<span class=\"_ _2\"></span>m das ro<span class=\"_ _2\"></span>bus<span class=\"_ _2\"></span>te Ne<span class=\"_ _2\"></span>ugesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t sor<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>te f<span class=\"_ _2\"></span>\u00fcr ein<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ieg de<span class=\"_ _2\"></span>r Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n um +<span class=\"_ _4\"></span>28<span class=\"_ _2\"></span>6 Mi<span class=\"_ _2\"></span>o. \u20ac auf 8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>249 Mio. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>ie Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt-<span class=\"_ _39f\"> </span>verb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>ten sic<span class=\"_ _2\"></span>h von 4.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 Mi<span class=\"_ _2\"></span>o. \u20ac auf 5<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6 Mio. \u20ac<span class=\"_ _3\"></span>. I<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt e<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ichte d<span class=\"_ _2\"></span>as J<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gebn<span class=\"_ _2\"></span>is vor Steue<span class=\"_ _2\"></span>rn 106<span class=\"_ _2\"></span>,<span class=\"_ _9\"></span>1 Mio. \u20ac und lag d<span class=\"_ _2\"></span>amit um \u22121<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 Mio. \u20ac u<span class=\"_ _2\"></span>nter d<span class=\"_ _2\"></span>em Vorjahre<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Segment P<span class=\"_ _2\"></span>rivatk<span class=\"_ _2\"></span>unden<span class=\"_ _39f\"> </span>Das Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t als d<span class=\"_ _2\"></span>ie z<span class=\"_ _2\"></span>weite t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>ende S<span class=\"_ _2\"></span>\u00e4ule d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V t<span class=\"_ _2\"></span>rug i<span class=\"_ _2\"></span>m Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>zeitr<span class=\"_ _2\"></span>aum m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>em Zin<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis von 69,<span class=\"_ _4\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac wesen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V b<span class=\"_ _2\"></span>ei. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>n im K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t wie<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d von Au<span class=\"_ _2\"></span>fl\u00f6s<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ives Erge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von 0,<span class=\"_ _2\"></span>6 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>auf. D<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>rovis<span class=\"_ _2\"></span>ions\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss er<span class=\"_ _2\"></span>h\u00f6h<span class=\"_ _2\"></span>te sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>3,<span class=\"_ _2\"></span>8 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac au<span class=\"_ _2\"></span>f 3<span class=\"_ _2\"></span>8,<span class=\"_ _3\"></span>8 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>er t<span class=\"_ _3\"></span>ypis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>se hohe <span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>umlich<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>rso<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>e Resso<span class=\"_ _2\"></span>urcen<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z i<span class=\"_ _2\"></span>m Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt sc<span class=\"_ _2\"></span>hlug <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im Ver<span class=\"_ _2\"></span>wal<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and m<span class=\"_ _2\"></span>it 87<span class=\"_ _4\"></span>,4 M<span class=\"_ _2\"></span>io. \u20ac nied<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, der <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>dami<span class=\"_ _2\"></span>t um <span class=\"_ _2\"></span>+8,4 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac im Verg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg b<span class=\"_ _2\"></span>lieb <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>0,9 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac <span class=\"ff2 ls2 ws1\"> </span>auf d<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Nive<span class=\"_ _2\"></span>au de<span class=\"_ _2\"></span>s Vorjahre<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>Insge<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>t be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug das <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s vor Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ngesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t 21,9 Mio. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 28<span class=\"_ _2\"></span>,6 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Segment F<span class=\"_ _2\"></span>inancial Market<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss i<span class=\"_ _2\"></span>m Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte s<span class=\"_ _2\"></span>ich g<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m Vorjahr u<span class=\"_ _2\"></span>m +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>1,6 Mio. <span class=\"_ _2\"></span>\u20ac au<span class=\"_ _2\"></span>f 31<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>9 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. <span class=\"_ _2\"></span>Die Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>n im K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis m<span class=\"_ _2\"></span>it \u2212<span class=\"_ _3\"></span>0,7 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>walt<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>nete <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>5,<span class=\"_ _2\"></span>6 Mio<span class=\"_ _2\"></span>. \u20ac e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>R\u00fcck<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ng um <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>2 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>as Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis au<span class=\"_ _2\"></span>s F<span class=\"_ _2\"></span>inanzge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en in<span class=\"_ _2\"></span>klus<span class=\"_ _2\"></span>ive H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis erh<span class=\"_ _2\"></span>\u00f6hte sic<span class=\"_ _2\"></span>h um +6<span class=\"_ _2\"></span>,6 M<span class=\"_ _2\"></span>io. \u20ac au<span class=\"_ _2\"></span>f 1<span class=\"_ _9\"></span>,9 Mi<span class=\"_ _2\"></span>o. \u20ac<span class=\"_ _3\"></span>. In Su<span class=\"_ _2\"></span>mme ver<span class=\"_ _2\"></span>zei<span class=\"_ _2\"></span>chne<span class=\"_ _2\"></span>te das J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis vor Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>en An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg um +<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 Mio. \u20ac auf 27<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>5 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Segment Le<span class=\"_ _2\"></span>asing<span class=\"_ _39f\"> </span>Die L<span class=\"_ _2\"></span>easi<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>toc<span class=\"_ _2\"></span>hter <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>icke<span class=\"_ _2\"></span>lte si<span class=\"_ _2\"></span>ch im <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m rob<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>, das <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>denb<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>lume<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>h\u00f6ht<span class=\"_ _2\"></span>e sic<span class=\"_ _2\"></span>h im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 um +<span class=\"_ _4\"></span>33,7 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac au<span class=\"_ _2\"></span>f 1.09<span class=\"_ _2\"></span>4 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>rese<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>vor Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n re<span class=\"_ _2\"></span>duzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>sich i<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt u<span class=\"_ _2\"></span>m \u2212<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5 Mi<span class=\"_ _2\"></span>o. \u20ac a<span class=\"_ _2\"></span>uf 1<span class=\"_ _4\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss s<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>g im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zum <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahr um <span class=\"_ _2\"></span>+4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>20,<span class=\"_ _2\"></span>6 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorsor<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>n im K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t be<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>tete<span class=\"_ _2\"></span>n da<span class=\"_ _2\"></span>s Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>mit \u22121<span class=\"_ _4\"></span>,6 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>rovisi<span class=\"_ _2\"></span>ons\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schu<span class=\"_ _2\"></span>ss lag <span class=\"_ _2\"></span>mit 0<span class=\"_ _2\"></span>,6 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac um +<span class=\"_ _2\"></span>0,1 Mio. \u20ac \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>dem V<span class=\"_ _9\"></span>orjah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r Ver<span class=\"_ _2\"></span>walt<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte s<span class=\"_ _2\"></span>ich um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1,<span class=\"_ _2\"></span>2 Mi<span class=\"_ _2\"></span>o. \u20ac a<span class=\"_ _2\"></span>uf 9,<span class=\"_ _2\"></span>3 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg <span class=\"_ _2\"></span>verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>sich von 5,<span class=\"_ _3\"></span>3 Mio. <span class=\"_ _2\"></span>\u20ac au<span class=\"_ _2\"></span>f 4<span class=\"_ _2\"></span>,9 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. Segment T<span class=\"_ _4\"></span>ourismus Holding<span class=\"_ _39f\"> </span>Das <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>uris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing b<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>onzer<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>schlu<span class=\"_ _2\"></span>ss d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing G<span class=\"_ _2\"></span>mbH<span class=\"_ _3\"></span>, die <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Sei<span class=\"_ _2\"></span>lbah<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nen <span class=\"_ _2\"></span>May<span class=\"_ _2\"></span>rho<span class=\"_ _2\"></span>fne<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gb<span class=\"_ _2\"></span>ahne<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nges<span class=\"_ _2\"></span>ellsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d Si<span class=\"_ _2\"></span>lvr<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a M<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>afo<span class=\"_ _2\"></span>n H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>b\u00fcnd<span class=\"_ _2\"></span>elt<span class=\"_ _3\"></span>. Di<span class=\"_ _2\"></span>e G<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d im Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>uf <span class=\"_ _2\"></span>vom T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>uris<span class=\"_ _2\"></span>mus <span class=\"_ _2\"></span>domin<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Da<span class=\"_ _2\"></span>s Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>lag <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>\u22124<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orj<span class=\"_ _2\"></span>ahres<span class=\"_ _2\"></span>nivea<span class=\"_ _2\"></span>u von <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>4,<span class=\"_ _2\"></span>0 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _4\"></span> Der <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>, i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m vor <span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>em d<span class=\"_ _2\"></span>ie U<span class=\"_ _2\"></span>msa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zerl<span class=\"_ _2\"></span>\u00f6se e<span class=\"_ _2\"></span>nth<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>besse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _9\"></span>2,<span class=\"_ _3\"></span>8 Mi<span class=\"_ _2\"></span>o. \u20ac <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>9,<span class=\"_ _4\"></span>1 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>l\u00f6se <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eichze<span class=\"_ _2\"></span>itig <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisb<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Fak<span class=\"_ _3\"></span>tor <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sells<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>de T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum <span class=\"_ _2\"></span>im D<span class=\"_ _2\"></span>urc<span class=\"_ _2\"></span>hsch<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>insge<span class=\"_ _2\"></span>samt <span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>86 <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>wan<span class=\"_ _2\"></span>d e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte sich <span class=\"_ _2\"></span>um +1<span class=\"_ _10\"></span>1<span class=\"_ _9\"></span>,4 Mio. <span class=\"_ _2\"></span>\u20ac a<span class=\"_ _2\"></span>uf 9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8 M<span class=\"_ _2\"></span>io. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>. I<span class=\"_ _2\"></span>nsges<span class=\"_ _2\"></span>amt <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hte d<span class=\"_ _2\"></span>as S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>ei<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>ser<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis vor <span class=\"_ _2\"></span>Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>23<span class=\"_ _2\"></span>,0 <span class=\"_ _2\"></span>Mio<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>, diese<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>sser<span class=\"_ _3\"></span>te s<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>damit <span class=\"_ _2\"></span>im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ch z<span class=\"_ _2\"></span>um Vorjahr <span class=\"_ _2\"></span>um <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>1,<span class=\"_ _4\"></span>1 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _a\"></span>.<span class=\"_ _39f\"> </span>Segmentbericht-<span class=\"ls2 ws1\"> </span>erstattung in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _89\"> </span><span class=\"fs6 lse wse\">Jahr<span class=\"_ _39f\"> </span></span>Firmen-<span class=\"ls2 ws1\"> </span>kunden<span class=\"_ _39f\"> </span>Privat-<span class=\"ls2 ws1\"> </span>kunden<span class=\"_ _39f\"> </span>Financial Markets<span class=\"_ _12\"> </span>Leasing<span class=\"_ _39f\"> </span>To<span class=\"_ _3\"></span>u<span class=\"_ _a\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ismus Holding<span class=\"_ _39f\"> </span>Berichts-<span class=\"ls2 ws1\"> </span>pflichtige Segmente<span class=\"_ _2\"></span> Andere <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Segmente/<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onsoli<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dierung/<span class=\"ls2 ws1\"> </span>Sonsti-<span class=\"ls2 ws1\"> </span>ges<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onzern-<span class=\"ls2 ws1\"> </span>Bilanz/<span class=\"ls2 ws1\"> </span>-GuV<span class=\"_ _39f\"> </span>Zins\u00fcberschuss inkl<span class=\"_ _2\"></span>. At-equity-Er<span class=\"_ _2\"></span>gebnis<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _f6\"> </span><span class=\"ff2\">172.352<span class=\"_ _ee\"> </span>69.099<span class=\"_ _ee\"> </span>31.882<span class=\"_ _ee\"> </span>20.619<span class=\"_ _e3\"> </span></span>\u22124.266<span class=\"_ _8f\"> </span><span class=\"ff2\">289.686<span class=\"_ _112\"> </span>69.858<span class=\"_ _1d\"> </span>359.544<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _f6\"> </span><span class=\"ff2\">169.058<span class=\"_ _ee\"> </span>72.223<span class=\"_ _ee\"> </span>20.318<span class=\"_ _ee\"> </span>16.297<span class=\"_ _e3\"> </span></span>\u22124.036<span class=\"_ _8f\"> </span><span class=\"ff2\">273.860<span class=\"_ _112\"> </span>69.988<span class=\"_ _1d\"> </span>343.848<span class=\"_ _39f\"> </span></span>Risikovorsorgen im <span class=\"ff2 ls2 ws1\"> </span>Kreditgesch\u00e4ft<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _10b\"> </span>\u221237.263<span class=\"_ _f4\"> </span><span class=\"ff2\">570<span class=\"_ _e1\"> </span></span>\u2212692<span class=\"_ _e3\"> </span>\u22121.634<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221239.020<span class=\"_ _183\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221239.020<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _10b\"> </span>\u221232.909<span class=\"_ _112\"> </span>\u2212298<span class=\"_ _145\"> </span><span class=\"ff2\">176<span class=\"_ _b9\"> </span>1.308<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _8e\"> </span></span></span>\u221231.724<span class=\"_ _183\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221231.724<span class=\"_ _39f\"> </span>Provisions\u00fcberschuss<span class=\"_ _112\"> </span>12/2024<span class=\"_ _fa\"> </span><span class=\"ff2\">33.234<span class=\"_ _ee\"> </span>38.803<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span>566<span class=\"_ _e3\"> </span></span>\u22121.008<span class=\"_ _112\"> </span><span class=\"ff2\">71.594<span class=\"_ _8e\"> </span></span>\u221210.331<span class=\"_ _112\"> </span><span class=\"ff2\">61.264<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _ee\"> </span><span class=\"ff2\">30.331<span class=\"_ _fa\"> </span>35.047<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span>506<span class=\"_ _e1\"> </span></span>\u2212885<span class=\"_ _df\"> </span><span class=\"ff2\">64.997<span class=\"_ _111\"> </span></span>\u22127.172<span class=\"_ _112\"> </span><span class=\"ff2\">57.825<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>waltungsaufwand<span class=\"_ _128\"> </span>12/2024<span class=\"_ _10b\"> </span>\u221262.312<span class=\"_ _10b\"> </span>\u221287.441<span class=\"_ _fa\"> </span>\u22125.598<span class=\"_ _e3\"> </span>\u22129.337<span class=\"_ _f6\"> </span>\u221290.837<span class=\"_ _f3\"> </span>\u2212255.525<span class=\"_ _1d\"> </span>\u221212.283<span class=\"_ _f3\"> </span>\u2212267.808<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _10b\"> </span>\u221256.201<span class=\"_ _10b\"> </span>\u221279.083<span class=\"_ _fa\"> </span>\u22125.755<span class=\"_ _e3\"> </span>\u22128.156<span class=\"_ _f6\"> </span>\u221279.450<span class=\"_ _f3\"> </span>\u2212228.644<span class=\"_ _1d\"> </span>\u221210.084<span class=\"_ _f3\"> </span>\u2212238.728<span class=\"_ _39f\"> </span>Sonstiger betrieblicher <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">902<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>4.933<span class=\"_ _f6\"> </span>119.067<span class=\"_ _8f\"> </span>124.903<span class=\"_ _112\"> </span>26.913<span class=\"_ _1d\"> </span>151.816<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">709<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>5.304<span class=\"_ _f6\"> </span>106.258<span class=\"_ _8f\"> </span>112.271<span class=\"_ _df\"> </span></span>\u22127.023<span class=\"_ _8f\"> </span><span class=\"ff2\">105.249<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften und Handelsergebnis<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _1e3\"> </span><span class=\"ff2\">47<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>1.871<span class=\"_ _112\"> </span></span>\u2212315<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _eb\"> </span></span><span class=\"ff2\">1.604<span class=\"_ _111\"> </span></span>\u22122.522<span class=\"_ _e7\"> </span>\u2212918<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _e3\"> </span>\u22122.697<span class=\"_ _d5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _fa\"> </span></span>\u22124.766<span class=\"_ _1e3\"> </span><span class=\"ff2\">67<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _df\"> </span></span></span>\u22127.395<span class=\"_ _9a\"> </span><span class=\"ff2\">320<span class=\"_ _df\"> </span></span>\u22127.075<span class=\"_ _39f\"> </span>Jahresergebnis <span class=\"ls2 ws1\"> </span>vor S<span class=\"_ _9\"></span>teuern<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _c9\"> </span>106.057<span class=\"_ _f0\"> </span>21.933<span class=\"_ _f0\"> </span>27.463<span class=\"_ _b6\"> </span>14.832<span class=\"_ _f0\"> </span>22.957<span class=\"_ _ef\"> </span>193.242<span class=\"_ _2ee\"> </span>71.637<span class=\"_ _ef\"> </span>264.878<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _c9\"> </span>107.581<span class=\"_ _f0\"> </span>28.598<span class=\"_ _11a\"> </span>9.973<span class=\"_ _f0\"> </span>15.325<span class=\"_ _b6\"> </span>21.888<span class=\"_ _cf\"> </span>183.366<span class=\"_ _127\"> </span>46.030<span class=\"_ _ef\"> </span>229.395<span class=\"_ _39f\"> </span>Segmentforderungen <span class=\"_ _e2\"> </span>12/2024<span class=\"_ _108\"> </span><span class=\"ff2\">8.249.118<span class=\"_ _108\"> </span>1.150.367<span class=\"_ _f7\"> </span>4.687.648<span class=\"_ _108\"> </span>1.094.031<span class=\"_ _ee\"> </span>48.918<span class=\"_ _d\"> </span>15.230.082<span class=\"_ _10a\"> </span></span>\u2212276.811<span class=\"_ _5d\"> </span><span class=\"ff2 ls4f ws52\">14.953.271<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _108\"> </span><span class=\"ff2\">7.963.034<span class=\"_ _f7\"> </span>1.229.697<span class=\"_ _108\"> </span>4.376.843<span class=\"_ _108\"> </span>1.060.315<span class=\"_ _fa\"> </span>27.820<span class=\"_ _100\"> </span><span class=\"ls2 ws1\">14.657.710<span class=\"_ _f3\"> </span></span></span>\u2212293.257<span class=\"_ _63\"> </span><span class=\"ff2\">14.364.453<span class=\"_ _39f\"> </span></span>Segment<span class=\"_ _2\"></span>verbindlich-<span class=\"ff2 ls2 ws1\"> </span>keite<span class=\"_ _2\"></span>n 12/2024<span class=\"_ _108\"> </span><span class=\"ff2\">5.096.403<span class=\"_ _f7\"> </span>4.709.285<span class=\"_ _108\"> </span>1.651.982<span class=\"_ _f6\"> </span>993.468<span class=\"_ _f2\"> </span>121.683<span class=\"_ _c\"> </span><span class=\"ls2 ws1\">12.572.821<span class=\"_ _df\"> </span></span></span>\u22127.696<span class=\"_ _63\"> </span><span class=\"ff2\">12.565.126<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _108\"> </span><span class=\"ff2\">4.499.746<span class=\"_ _f7\"> </span>4.468.179<span class=\"_ _108\"> </span>1.939.048<span class=\"_ _f6\"> </span>995.011<span class=\"_ _f2\"> </span>123.241<span class=\"_ _d\"> </span>12.025.225<span class=\"_ _8f\"> </span>174.531<span class=\"_ _63\"> </span>12.199.756<span class=\"_ _39f\"> </span></span>Segmentbericht: Erl\u00e4uterun<span class=\"_ _4\"></span>gen<span class=\"_ _39f\"> </span>Die Ver<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>es Z<span class=\"_ _2\"></span>ins\u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>ses e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tz<span class=\"_ _2\"></span>insme<span class=\"_ _2\"></span>tho<span class=\"_ _2\"></span>de. <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>irm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us Steue<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sgr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>nver<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>im Zi<span class=\"_ _2\"></span>ns\u00fcb<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>chuss <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e jewe<span class=\"_ _2\"></span>iligen <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e und Auf<span class=\"_ _3\"></span>wendung<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>aldie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg aus <span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>eq<span class=\"_ _2\"></span>uit<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h \u201e<span class=\"_ _3\"></span>An<span class=\"_ _2\"></span>dere <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nte/<span class=\"_ _39f\"> </span>Kons<span class=\"_ _2\"></span>olidie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>/Son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>es\u201c zugete<span class=\"_ _2\"></span>ilt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Prov<span class=\"_ _2\"></span>ision<span class=\"_ _2\"></span>s\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt sic<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Zuor<span class=\"_ _2\"></span>dnung d<span class=\"_ _2\"></span>er i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Spa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung. Die K<span class=\"_ _2\"></span>ost<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>achu<span class=\"_ _2\"></span>ngsge<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>Leas<span class=\"_ _2\"></span>ing G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>bzw. der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>uri<span class=\"_ _2\"></span>smus H<span class=\"_ _2\"></span>old<span class=\"_ _2\"></span>ing G<span class=\"_ _2\"></span>mbH <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Repo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ng Pa<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ages <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>uorde<span class=\"_ _2\"></span>nbar. Nicht <span class=\"_ _2\"></span>dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t zuord<span class=\"_ _2\"></span>enba<span class=\"_ _2\"></span>re K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r \u201e<span class=\"_ _3\"></span>And<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>te/Kon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges\u201c ausge<span class=\"_ _2\"></span>wiese<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>r son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>iebl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ums<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z de<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V T<span class=\"_ _9\"></span>ouris<span class=\"_ _2\"></span>mus H<span class=\"_ _2\"></span>oldi<span class=\"_ _2\"></span>ng Gm<span class=\"_ _2\"></span>bH <span class=\"_ _2\"></span>geb\u00fc<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Seilb<span class=\"_ _2\"></span>ahnb<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>unter \u201e<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re S<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ente/<span class=\"_ _2\"></span>Kons<span class=\"_ _2\"></span>olidi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>/So<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>iges\u201c neb<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>onso<span class=\"_ _2\"></span>lidie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m Wesentlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>die St<span class=\"_ _2\"></span>abil<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e sowie <span class=\"_ _2\"></span>die Vermie<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die S<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ment<span class=\"_ _3\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n an <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ral<span class=\"_ _2\"></span>noten<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>n\u201c<span class=\"_ _10\"></span>, <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n an <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>te\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n\u201c der B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n \u201ef<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ansc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>\u201c<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>\u201eer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>folg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al z<span class=\"_ _2\"></span>um be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u201c<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>\u201eer<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>am z<span class=\"_ _2\"></span>um be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u201c und <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Fair-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion\u201c sowie Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien u<span class=\"_ _2\"></span>nd H<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Spal<span class=\"_ _2\"></span>te \u201e<span class=\"_ _3\"></span>And<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>te/Ko<span class=\"_ _2\"></span>nsoli<span class=\"_ _2\"></span>dier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges\u201c werd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sorg<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>azuge<span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, da di<span class=\"_ _2\"></span>e inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>e Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Geg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z zur <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>anz di<span class=\"_ _2\"></span>e For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tog<span class=\"_ _2\"></span>r\u00f6\u00df<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eite<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>in die<span class=\"_ _2\"></span>ser Spal<span class=\"_ _2\"></span>te Ko<span class=\"_ _2\"></span>nsoli<span class=\"_ _2\"></span>dier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbuc<span class=\"_ _2\"></span>hunge<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>gm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd di<span class=\"_ _2\"></span>e Positi<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>\u201e<span class=\"_ _4\"></span>Verbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>\u00fcber Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>ten\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _9\"></span>V<span class=\"_ _9\"></span>erbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den\u201c<span class=\"_ _4\"></span>, \u201e<span class=\"_ _3\"></span>Sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n\u201c der B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n \u201efor<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n\u201c und \u201e<span class=\"_ _2\"></span>Fai<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-V<span class=\"_ _9\"></span>alue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Opt<span class=\"_ _2\"></span>ion\u201c sowie \u201e<span class=\"_ _3\"></span>Son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rbi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hkeite<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s Le<span class=\"_ _2\"></span>asing<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>keite<span class=\"_ _2\"></span>n\u201c zugeordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>In d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>palt<span class=\"_ _2\"></span>e \u201e<span class=\"_ _3\"></span>And<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Seg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>te/Ko<span class=\"_ _2\"></span>nsoli<span class=\"_ _2\"></span>dier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/S<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tiges\u201c sind <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s Kon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hungen enthalten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>m von d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>m Se<span class=\"_ _2\"></span>gme<span class=\"_ _2\"></span>nt e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huss vor <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>n.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-550": {
   "value": "Segmentbericht-<span class=\"ls2 ws1\"> </span>erstattung in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _89\"> </span><span class=\"fs6 lse wse\">Jahr<span class=\"_ _39f\"> </span></span>Firmen-<span class=\"ls2 ws1\"> </span>kunden<span class=\"_ _39f\"> </span>Privat-<span class=\"ls2 ws1\"> </span>kunden<span class=\"_ _39f\"> </span>Financial Markets<span class=\"_ _12\"> </span>Leasing<span class=\"_ _39f\"> </span>To<span class=\"_ _3\"></span>u<span class=\"_ _a\"></span>r<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ismus Holding<span class=\"_ _39f\"> </span>Berichts-<span class=\"ls2 ws1\"> </span>pflichtige Segmente<span class=\"_ _2\"></span> Andere <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Segmente/<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onsoli<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dierung/<span class=\"ls2 ws1\"> </span>Sonsti-<span class=\"ls2 ws1\"> </span>ges<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onzern-<span class=\"ls2 ws1\"> </span>Bilanz/<span class=\"ls2 ws1\"> </span>-GuV<span class=\"_ _39f\"> </span>Zins\u00fcberschuss inkl<span class=\"_ _2\"></span>. At-equity-Er<span class=\"_ _2\"></span>gebnis<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _f6\"> </span><span class=\"ff2\">172.352<span class=\"_ _ee\"> </span>69.099<span class=\"_ _ee\"> </span>31.882<span class=\"_ _ee\"> </span>20.619<span class=\"_ _e3\"> </span></span>\u22124.266<span class=\"_ _8f\"> </span><span class=\"ff2\">289.686<span class=\"_ _112\"> </span>69.858<span class=\"_ _1d\"> </span>359.544<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _f6\"> </span><span class=\"ff2\">169.058<span class=\"_ _ee\"> </span>72.223<span class=\"_ _ee\"> </span>20.318<span class=\"_ _ee\"> </span>16.297<span class=\"_ _e3\"> </span></span>\u22124.036<span class=\"_ _8f\"> </span><span class=\"ff2\">273.860<span class=\"_ _112\"> </span>69.988<span class=\"_ _1d\"> </span>343.848<span class=\"_ _39f\"> </span></span>Risikovorsorgen im <span class=\"ff2 ls2 ws1\"> </span>Kreditgesch\u00e4ft<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _10b\"> </span>\u221237.263<span class=\"_ _f4\"> </span><span class=\"ff2\">570<span class=\"_ _e1\"> </span></span>\u2212692<span class=\"_ _e3\"> </span>\u22121.634<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221239.020<span class=\"_ _183\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221239.020<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _10b\"> </span>\u221232.909<span class=\"_ _112\"> </span>\u2212298<span class=\"_ _145\"> </span><span class=\"ff2\">176<span class=\"_ _b9\"> </span>1.308<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _8e\"> </span></span></span>\u221231.724<span class=\"_ _183\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1d\"> </span></span>\u221231.724<span class=\"_ _39f\"> </span>Provisions\u00fcberschuss<span class=\"_ _112\"> </span>12/2024<span class=\"_ _fa\"> </span><span class=\"ff2\">33.234<span class=\"_ _ee\"> </span>38.803<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span>566<span class=\"_ _e3\"> </span></span>\u22121.008<span class=\"_ _112\"> </span><span class=\"ff2\">71.594<span class=\"_ _8e\"> </span></span>\u221210.331<span class=\"_ _112\"> </span><span class=\"ff2\">61.264<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _ee\"> </span><span class=\"ff2\">30.331<span class=\"_ _fa\"> </span>35.047<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span>506<span class=\"_ _e1\"> </span></span>\u2212885<span class=\"_ _df\"> </span><span class=\"ff2\">64.997<span class=\"_ _111\"> </span></span>\u22127.172<span class=\"_ _112\"> </span><span class=\"ff2\">57.825<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>waltungsaufwand<span class=\"_ _128\"> </span>12/2024<span class=\"_ _10b\"> </span>\u221262.312<span class=\"_ _10b\"> </span>\u221287.441<span class=\"_ _fa\"> </span>\u22125.598<span class=\"_ _e3\"> </span>\u22129.337<span class=\"_ _f6\"> </span>\u221290.837<span class=\"_ _f3\"> </span>\u2212255.525<span class=\"_ _1d\"> </span>\u221212.283<span class=\"_ _f3\"> </span>\u2212267.808<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _10b\"> </span>\u221256.201<span class=\"_ _10b\"> </span>\u221279.083<span class=\"_ _fa\"> </span>\u22125.755<span class=\"_ _e3\"> </span>\u22128.156<span class=\"_ _f6\"> </span>\u221279.450<span class=\"_ _f3\"> </span>\u2212228.644<span class=\"_ _1d\"> </span>\u221210.084<span class=\"_ _f3\"> </span>\u2212238.728<span class=\"_ _39f\"> </span>Sonstiger betrieblicher <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">902<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>4.933<span class=\"_ _f6\"> </span>119.067<span class=\"_ _8f\"> </span>124.903<span class=\"_ _112\"> </span>26.913<span class=\"_ _1d\"> </span>151.816<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _145\"> </span></span><span class=\"ff2\">709<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>5.304<span class=\"_ _f6\"> </span>106.258<span class=\"_ _8f\"> </span>112.271<span class=\"_ _df\"> </span></span>\u22127.023<span class=\"_ _8f\"> </span><span class=\"ff2\">105.249<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>folg aus Finanzgesch\u00e4ften und Handelsergebnis<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _1e3\"> </span><span class=\"ff2\">47<span class=\"_ _d5\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e2\"> </span></span>1.871<span class=\"_ _112\"> </span></span>\u2212315<span class=\"_ _1e6\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _eb\"> </span></span><span class=\"ff2\">1.604<span class=\"_ _111\"> </span></span>\u22122.522<span class=\"_ _e7\"> </span>\u2212918<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _e3\"> </span>\u22122.697<span class=\"_ _d5\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _fa\"> </span></span>\u22124.766<span class=\"_ _1e3\"> </span><span class=\"ff2\">67<span class=\"_ _1e6\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _df\"> </span></span></span>\u22127.395<span class=\"_ _9a\"> </span><span class=\"ff2\">320<span class=\"_ _df\"> </span></span>\u22127.075<span class=\"_ _39f\"> </span>Jahresergebnis <span class=\"ls2 ws1\"> </span>vor S<span class=\"_ _9\"></span>teuern<span class=\"_ _39f\"> </span>12/2024<span class=\"_ _c9\"> </span>106.057<span class=\"_ _f0\"> </span>21.933<span class=\"_ _f0\"> </span>27.463<span class=\"_ _b6\"> </span>14.832<span class=\"_ _f0\"> </span>22.957<span class=\"_ _ef\"> </span>193.242<span class=\"_ _2ee\"> </span>71.637<span class=\"_ _ef\"> </span>264.878<span class=\"_ _39f\"> </span>12/2023<span class=\"_ _c9\"> </span>107.581<span class=\"_ _f0\"> </span>28.598<span class=\"_ _11a\"> </span>9.973<span class=\"_ _f0\"> </span>15.325<span class=\"_ _b6\"> </span>21.888<span class=\"_ _cf\"> </span>183.366<span class=\"_ _127\"> </span>46.030<span class=\"_ _ef\"> </span>229.395<span class=\"_ _39f\"> </span>Segmentforderungen <span class=\"_ _e2\"> </span>12/2024<span class=\"_ _108\"> </span><span class=\"ff2\">8.249.118<span class=\"_ _108\"> </span>1.150.367<span class=\"_ _f7\"> </span>4.687.648<span class=\"_ _108\"> </span>1.094.031<span class=\"_ _ee\"> </span>48.918<span class=\"_ _d\"> </span>15.230.082<span class=\"_ _10a\"> </span></span>\u2212276.811<span class=\"_ _5d\"> </span><span class=\"ff2 ls4f ws52\">14.953.271<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _108\"> </span><span class=\"ff2\">7.963.034<span class=\"_ _f7\"> </span>1.229.697<span class=\"_ _108\"> </span>4.376.843<span class=\"_ _108\"> </span>1.060.315<span class=\"_ _fa\"> </span>27.820<span class=\"_ _100\"> </span><span class=\"ls2 ws1\">14.657.710<span class=\"_ _f3\"> </span></span></span>\u2212293.257<span class=\"_ _63\"> </span><span class=\"ff2\">14.364.453<span class=\"_ _39f\"> </span></span>Segment<span class=\"_ _2\"></span>verbindlich-<span class=\"ff2 ls2 ws1\"> </span>keite<span class=\"_ _2\"></span>n 12/2024<span class=\"_ _108\"> </span><span class=\"ff2\">5.096.403<span class=\"_ _f7\"> </span>4.709.285<span class=\"_ _108\"> </span>1.651.982<span class=\"_ _f6\"> </span>993.468<span class=\"_ _f2\"> </span>121.683<span class=\"_ _c\"> </span><span class=\"ls2 ws1\">12.572.821<span class=\"_ _df\"> </span></span></span>\u22127.696<span class=\"_ _63\"> </span><span class=\"ff2\">12.565.126<span class=\"_ _39f\"> </span></span>12/2023<span class=\"_ _108\"> </span><span class=\"ff2\">4.499.746<span class=\"_ _f7\"> </span>4.468.179<span class=\"_ _108\"> </span>1.939.048<span class=\"_ _f6\"> </span>995.011<span class=\"_ _f2\"> </span>123.241<span class=\"_ _d\"> </span>12.025.225<span class=\"_ _8f\"> </span>174.531<span class=\"_ _63\"> </span>12.199.756<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-28": {
   "value": "31<span class=\"_ _10\"></span>a<span class=\"_ _2\"></span> Risi<span class=\"_ _2\"></span>kokultur  \u201e<span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ko vor E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag u<span class=\"_ _2\"></span>nd vor <span class=\"_ _2\"></span>Wachst<span class=\"_ _2\"></span>um\u201c \u2013 dies i<span class=\"_ _2\"></span>st d<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>te L<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ult<span class=\"_ _2\"></span>ur in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>seit <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>unse<span class=\"_ _2\"></span>r Han<span class=\"_ _2\"></span>deln <span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Dar<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>hina<span class=\"_ _2\"></span>us si<span class=\"_ _2\"></span>nd die <span class=\"_ _2\"></span>zent<span class=\"_ _2\"></span>ral<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Elem<span class=\"_ _2\"></span>ente <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikok<span class=\"_ _2\"></span>ultur <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mit \u201e<span class=\"_ _9\"></span>T<span class=\"_ _4\"></span>one f<span class=\"_ _2\"></span>ro<span class=\"_ _2\"></span>m the <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>op<span class=\"_ _4\"></span>\u201c <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rni<span class=\"_ _2\"></span>mmt d<span class=\"_ _2\"></span>er Vorst<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>die Vorbil<span class=\"_ _2\"></span>df<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion u<span class=\"_ _2\"></span>nd le<span class=\"_ _2\"></span>bt d<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ult<span class=\"_ _2\"></span>ur vor.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Jede/r Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*in <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ner<span class=\"_ _9\"></span>/ihr<span class=\"_ _2\"></span>er Vera<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung i<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>zug a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as t<span class=\"_ _2\"></span>\u00e4gl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>komana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt b<span class=\"_ _2\"></span>ewus<span class=\"_ _2\"></span>st u<span class=\"_ _2\"></span>nd \u00fcb<span class=\"_ _2\"></span>er<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>nimmt <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Eine wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>me K<span class=\"_ _2\"></span>ommuni<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>in k<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Dial<span class=\"_ _2\"></span>og is<span class=\"_ _2\"></span>t z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie<span class=\"_ _2\"></span>eb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n m\u00f6g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Anreize <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>Int<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ssenko<span class=\"_ _2\"></span>nflik<span class=\"_ _3\"></span>te we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>konse<span class=\"_ _2\"></span>que<span class=\"_ _2\"></span>nt ver<span class=\"_ _2\"></span>mie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>ult<span class=\"_ _2\"></span>urel<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nte we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>over<span class=\"_ _2\"></span>nance <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die F\u00fchr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n vor<span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>er Vorst<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>, h<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h an d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Regel<span class=\"_ _2\"></span>werk<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Einha<span class=\"_ _2\"></span>ltung <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n </span>Mitarbe<span class=\"_ _2\"></span>iter*innen e<span class=\"_ _2\"></span>in.<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>enwer<span class=\"_ _2\"></span>k R<span class=\"_ _2\"></span>isikog<span class=\"_ _2\"></span>overna<span class=\"_ _2\"></span>nce g<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>isat<span class=\"_ _2\"></span>oris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nsst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>vor<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Im F<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>s Dok<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ultu<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>llgem<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n r<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>ken s<span class=\"_ _2\"></span>owie di<span class=\"_ _2\"></span>e Auf<span class=\"_ _3\"></span>bauo<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on des R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s ink<span class=\"_ _2\"></span>lusi<span class=\"_ _2\"></span>ve de<span class=\"_ _2\"></span>r Einb<span class=\"_ _2\"></span>indung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoman<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent-<span class=\"_ _2\"></span>Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion in <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>e Pr<span class=\"_ _2\"></span>ozesse in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>re D<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nitio<span class=\"_ _2\"></span>n von A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>und Veran<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wesen<span class=\"_ _2\"></span>s sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r Rege<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>s- und E<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ala<span class=\"_ _2\"></span>tions<span class=\"_ _2\"></span>prozesse <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ene <span class=\"_ _2\"></span>Ausges<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ltung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoman<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>siche<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>b Struktur und Organisation des Risik<span class=\"_ _9\"></span>omanagements <span class=\"_ _2\"></span><span class=\"ff2 ls2\"> </span>Die ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>angem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>ne R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt lie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>beim <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _3\"></span>vors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nd. <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>Hie<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>i komm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>d ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re f<span class=\"_ _2\"></span>olgen<span class=\"_ _2\"></span>de Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>zu:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die Aus<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s- u<span class=\"_ _2\"></span>nd R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Fest<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>poli<span class=\"_ _2\"></span>tik s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>er r<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>poli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>ker<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikoma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>prozesse<span class=\"_ _2\"></span>s als <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>teil <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amtb<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Fest<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>appe<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bes<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Lim<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s und <span class=\"_ _2\"></span>Ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Einric<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Auf<span class=\"_ _3\"></span>bau<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Ab<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisa<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>zur Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ala<span class=\"_ _2\"></span>d\u00e4qu<span class=\"_ _2\"></span>anz (<span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP<span class=\"_ _2\"></span>) und <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>di<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>t\u00e4ts<span class=\"_ _2\"></span>ad\u00e4quanz (IL<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>AP<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Kommuni<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikost<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>e an <span class=\"_ _2\"></span>die Mi<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>r*i<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Inst<span class=\"_ _2\"></span>alli<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>nes a<span class=\"_ _2\"></span>ngem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>lls<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>ms<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Funk<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nale <span class=\"_ _2\"></span>und o<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ani<span class=\"_ _2\"></span>sator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>he T<span class=\"_ _9\"></span>rennu<span class=\"_ _2\"></span>ng von Zu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>en zu<span class=\"_ _2\"></span>r Vermeid<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Inte<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>enkon<span class=\"_ _2\"></span>flik<span class=\"_ _3\"></span>ten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Bereits<span class=\"_ _2\"></span>tellung ausreichender Personalressourcen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sicher<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>alifi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Regelm\u00e4\u00dfig<span class=\"_ _2\"></span>e \u2013 z<span class=\"_ _2\"></span>umind<span class=\"_ _2\"></span>est <span class=\"_ _2\"></span>j\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e \u2013 <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Prozesse<span class=\"_ _2\"></span>, Sys<span class=\"_ _2\"></span>teme <span class=\"_ _2\"></span>und Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00dcber<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tung vo<span class=\"_ _2\"></span>n st<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>iel<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anis<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nsst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur, Risikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>, R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>es </span>Risikomanagement-R<span class=\"_ _2\"></span>ahmenwerks<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00dcber<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nteg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>sens <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>llr<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>ns<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u201e<span class=\"_ _4\"></span>T<span class=\"_ _4\"></span>one <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>om t<span class=\"_ _2\"></span>he T<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>p<span class=\"_ _4\"></span>\u201c: Lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>de F<span class=\"_ _2\"></span>\u00f6rde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ult<span class=\"_ _2\"></span>ur in <span class=\"_ _2\"></span>Bez<span class=\"_ _2\"></span>ug au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Stab<span class=\"_ _2\"></span>ilit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>das R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>profi<span class=\"_ _2\"></span>l und <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>sicht<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>olide<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">F\u00f6rde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>ommun<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>ation <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Um<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>lds d<span class=\"_ _2\"></span>es of<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>kons<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ven Eng<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Schaf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ung ang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssene<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>nreize <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ausr<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikover<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tens <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kopro<span class=\"_ _2\"></span>fil un<span class=\"_ _2\"></span>d des<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige </span>Interess<span class=\"_ _9\"></span>en<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hulung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, dam<span class=\"_ _2\"></span>it die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ezug a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e </span>Risi<span class=\"_ _2\"></span>kober<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoman<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _3\"></span>t wi<span class=\"_ _2\"></span>rd<span class=\"_ _39f\"> </span>Das vor <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>m in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Pha<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tprozess<span class=\"_ _2\"></span>es ag<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Gr<span class=\"_ _2\"></span>emium <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>. Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>eue<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>tag<span class=\"_ _3\"></span>t mon<span class=\"_ _2\"></span>atl<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>. Sie <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Leit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ment<span class=\"_ _3\"></span>, Kon<span class=\"_ _2\"></span>zern<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>sen &amp; <span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>con<span class=\"_ _2\"></span>troll<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>mana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>ncia<span class=\"_ _2\"></span>l Ma<span class=\"_ _2\"></span>rket<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sber<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>h Kun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sowie den <span class=\"_ _2\"></span>Leit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er T<span class=\"_ _9\"></span>eams Re<span class=\"_ _2\"></span>gul<span class=\"_ _2\"></span>ator<span class=\"_ _3\"></span>y &amp; M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>l Deve<span class=\"_ _2\"></span>lopm<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>und T<span class=\"_ _9\"></span>reas<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie H<span class=\"_ _2\"></span>aupt<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V Bank<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Steuerung de<span class=\"_ _2\"></span>r Bilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur unter Re<span class=\"_ _2\"></span>ndite<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ichts<span class=\"_ _2\"></span>punk<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Steuer<span class=\"_ _2\"></span>ung al<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Dars<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kode<span class=\"_ _2\"></span>cku<span class=\"_ _2\"></span>ngsm<span class=\"_ _2\"></span>asse <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n weit<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Dars<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Refi<span class=\"_ _2\"></span>nanzi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ngssi<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesa<span class=\"_ _2\"></span>mtban<span class=\"_ _2\"></span>kent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung \u2013 <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>dget<span class=\"_ _2\"></span>abg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Monitor<span class=\"_ _2\"></span>ing d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>anie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sin<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>atore<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Monitor<span class=\"_ _2\"></span>ing d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>mse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>ani<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ionsm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>ter A<span class=\"_ _2\"></span>bwic<span class=\"_ _2\"></span>klung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Funk<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Sa<span class=\"_ _2\"></span>nier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgovern<span class=\"_ _2\"></span>ance<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Monitor<span class=\"_ _2\"></span>ing d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te i<span class=\"_ _2\"></span>m Fal<span class=\"_ _2\"></span>le e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Abwi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung bz<span class=\"_ _2\"></span>w. der <span class=\"_ _2\"></span>Reor<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ion<span class=\"_ _39f\"> </span></span>Als wes<span class=\"_ _2\"></span>entl<span class=\"_ _2\"></span>iche I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>sque<span class=\"_ _2\"></span>llen s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V Ba<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung me<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>re von de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t sowie K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte z<span class=\"_ _2\"></span>ur V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt de<span class=\"_ _2\"></span>m Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>t der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V die Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>migu<span class=\"_ _2\"></span>ng von Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Einze<span class=\"_ _2\"></span>llimit<span class=\"_ _2\"></span>s im Rah<span class=\"_ _2\"></span>men d<span class=\"_ _2\"></span>es de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Komp<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>weges s<span class=\"_ _2\"></span>owie die d<span class=\"_ _2\"></span>er \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung des R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ms zu<span class=\"_ _2\"></span>. Die Wahrne<span class=\"_ _2\"></span>hmung diese<span class=\"_ _2\"></span>r \u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t im Wesentl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r die nac<span class=\"_ _2\"></span>hst<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nd ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>hte:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ber<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>rs d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r di<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikolage <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>isikoau<span class=\"_ _2\"></span>sschu<span class=\"_ _2\"></span>ss<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">J\u00e4hrliche <span class=\"_ _2\"></span>Sitzung <span class=\"_ _2\"></span>des Risikoaussc<span class=\"_ _2\"></span>husses<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">J\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P-<span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikoau<span class=\"_ _2\"></span>sschu<span class=\"_ _2\"></span>ss<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">J\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>t an d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koaussc<span class=\"_ _2\"></span>huss<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">J\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n \u00fcbe<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r E<span class=\"_ _2\"></span>SG<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Fak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>aussc<span class=\"_ _2\"></span>huss<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risikob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sauss<span class=\"_ _2\"></span>chuss<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>zunge<span class=\"_ _2\"></span>n sow<span class=\"_ _2\"></span>ie im </span>Ple<span class=\"_ _2\"></span>num d<span class=\"_ _2\"></span>es Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Lauf<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>de B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>revi<span class=\"_ _2\"></span>sion z<span class=\"_ _2\"></span>u de<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hiedl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hwerp<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>ten d<span class=\"_ _2\"></span>urchge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fung<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">J\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hluss<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rs \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die Fun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>des R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ms an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sra<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>vor<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>sit<span class=\"_ _2\"></span>zend<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie i<span class=\"_ _2\"></span>m Pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>saus<span class=\"_ _2\"></span>schus<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ber<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>ige Ein<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>anier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>ika<span class=\"_ _2\"></span>tore<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>m\u00e4\u00df S<span class=\"_ _2\"></span>anie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lan a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">J\u00e4hr<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoman<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent-<span class=\"_ _2\"></span>Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion im <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>aussc<span class=\"_ _2\"></span>huss </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht ge<span class=\"_ _2\"></span>m\u00e4\u00df <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>AG an den <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>aussc<span class=\"_ _2\"></span>huss<span class=\"_ _39f\"> </span></span>Die g<span class=\"_ _2\"></span>em\u00e4\u00df <span class=\"_ _2\"></span>\u00a7 39 <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>. 5 BWG ge<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rder<span class=\"_ _3\"></span>te R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>Position <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hsle<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rs R<span class=\"_ _2\"></span>isk <span class=\"_ _2\"></span>Mana<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ment <span class=\"_ _2\"></span>wah<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>leit<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isk <span class=\"_ _2\"></span>Manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt is<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, er <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n di<span class=\"_ _2\"></span>rek<span class=\"_ _3\"></span>ten Zug<span class=\"_ _2\"></span>ang zum G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nimmt <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>direk<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Zug<span class=\"_ _2\"></span>ang zum Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at d<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die Ei<span class=\"_ _2\"></span>nbr<span class=\"_ _2\"></span>ingung <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>aussc<span class=\"_ _2\"></span>huss<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>s Weitere<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht ei<span class=\"_ _2\"></span>n Zug<span class=\"_ _2\"></span>ang z<span class=\"_ _2\"></span>u all<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>en und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>zu de<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt-<span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sber<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>und in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Or<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anisa<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>seinh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>e kontro<span class=\"_ _2\"></span>llie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>nabh<span class=\"_ _2\"></span>\u00e4ngig <span class=\"_ _2\"></span>und w<span class=\"_ _2\"></span>ird n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>an e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Zusa<span class=\"_ _2\"></span>mmenw<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n mi<span class=\"_ _2\"></span>t ihn<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>ehin<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n d<span class=\"_ _2\"></span>es B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>leit<span class=\"_ _2\"></span>ers <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk Management sind:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gesa<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _3\"></span>wor<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ungsg<span class=\"_ _2\"></span>em\u00e4\u00df<span class=\"_ _2\"></span>e Ausge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n lt<span class=\"_ _3\"></span>. BWG \u00a7 39<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Direk<span class=\"_ _3\"></span>te K<span class=\"_ _2\"></span>ommuni<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>und Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>etung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r In<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V g<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>h\u00f6rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>r\u00fcf<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>m </span>Aufsichtsrat<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>o<span class=\"_ _2\"></span>urli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>r\u00fcf<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>von ri<span class=\"_ _2\"></span>sikore<span class=\"_ _2\"></span>lev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n T<span class=\"_ _2\"></span>hem<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>im B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Risk <span class=\"_ _2\"></span>Man<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>ent </span>angesi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>lt si<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Unter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ausar<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>itung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikost<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>ie<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Fest<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>enwer<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isikogove<span class=\"_ _2\"></span>rna<span class=\"_ _2\"></span>nce<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ng an <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>zum R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">V<span class=\"_ _4\"></span>ol<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>ick \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>die Au<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00e4gu<span class=\"_ _2\"></span>ng s\u00e4m<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoar<span class=\"_ _3\"></span>ten un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikolag<span class=\"_ _2\"></span>e des <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>ens <span class=\"_ _2\"></span>inkl<span class=\"_ _2\"></span>. N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hhalt<span class=\"_ _2\"></span>ig<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>keitsr<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Unter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>itung <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h An<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>en hi<span class=\"_ _2\"></span>nsich<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mita<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk-Se<span class=\"_ _2\"></span>lf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ssess<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>des S<span class=\"_ _2\"></span>anie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Abwic<span class=\"_ _2\"></span>kl<span class=\"_ _2\"></span>ungsp<span class=\"_ _2\"></span>lans<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mita<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>m N<span class=\"_ _2\"></span>PP-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>rozess: \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>duk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>im Ein<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>ng mit <span class=\"_ _2\"></span>der </span>Risi<span class=\"_ _2\"></span>kostr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egie <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koapp<span class=\"_ _2\"></span>eti<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mita<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>it b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>niti<span class=\"_ _2\"></span>on von <span class=\"_ _2\"></span>gee<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikopar<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sicher<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Einr<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ung in<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>tut<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>weite<span class=\"_ _2\"></span>r wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>mer <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoman<span class=\"_ _2\"></span>agem<span class=\"_ _2\"></span>entp<span class=\"_ _2\"></span>rozesse<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ber<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>as Le<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>ngso<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>an m<span class=\"_ _2\"></span>it al<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kobezo<span class=\"_ _2\"></span>gene<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bewer<span class=\"_ _3\"></span>tung d<span class=\"_ _2\"></span>er Ro<span class=\"_ _2\"></span>bus<span class=\"_ _2\"></span>the<span class=\"_ _2\"></span>it und <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikost<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>ien u<span class=\"_ _2\"></span>nd d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>iten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sicher<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>qual<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven A<span class=\"_ _2\"></span>ns\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze zur I<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung u<span class=\"_ _2\"></span>nd B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von R<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Lauf<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>de B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>as Le<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>ngso<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>an (u. a<span class=\"_ _2\"></span>. Vorschl\u00e4g<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr ge<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>e ri<span class=\"_ _2\"></span>sikomin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ma\u00dfna<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sicher<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellung<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>ass al<span class=\"_ _2\"></span>le id<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n von d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>seinh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>m \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Regelm\u00e4\u00dfig<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>rofil<span class=\"_ _2\"></span>s und <span class=\"_ _2\"></span>\u00dcb<span class=\"_ _2\"></span>erp<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r st<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>iel<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>dem </span>Leit<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>an <span class=\"_ _2\"></span>in s<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment<span class=\"_ _3\"></span>fun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>on ei<span class=\"_ _2\"></span>ne En<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>idung<span class=\"_ _2\"></span>sfi<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>em L<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>an <span class=\"_ _2\"></span>in se<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>tion eine <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fung <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>hen<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Analy<span class=\"_ _2\"></span>se von <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>re<span class=\"_ _2\"></span>nds un<span class=\"_ _2\"></span>d Er<span class=\"_ _2\"></span>kenn<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>neue<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er n<span class=\"_ _2\"></span>eu a<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>tret<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zentr<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Ansp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hpe<span class=\"_ _2\"></span>rso<span class=\"_ _2\"></span>n (Sing<span class=\"_ _2\"></span>le Poin<span class=\"_ _2\"></span>t of Co<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>t) der A<span class=\"_ _2\"></span>bwic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lanung </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Koordi<span class=\"_ _2\"></span>nati<span class=\"_ _2\"></span>on und <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Leit<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Abw<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>spla<span class=\"_ _2\"></span>nung </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Umset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Abw<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hmen </span>Die I<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne <span class=\"_ _2\"></span>Revisi<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V als <span class=\"_ _2\"></span>unabh<span class=\"_ _2\"></span>\u00e4ngig<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tanz <span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>samke<span class=\"_ _2\"></span>it u<span class=\"_ _2\"></span>nd A<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>n Risi<span class=\"_ _2\"></span>komana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>ms un<span class=\"_ _2\"></span>d er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>die F<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>er Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>t\u00fcme<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Die WA<span class=\"_ _9\"></span>G<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Com<span class=\"_ _2\"></span>plia<span class=\"_ _2\"></span>nce<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht s<span class=\"_ _2\"></span>\u00e4mtli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>gelung<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ric<span class=\"_ _2\"></span>htlin<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit Fin<span class=\"_ _2\"></span>anzdie<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>nsbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>m Wer<span class=\"_ _2\"></span>tpapi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sgese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z (<span class=\"_ _2\"></span>WA<span class=\"_ _9\"></span>G 2018) und de<span class=\"_ _2\"></span>r M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tmiss<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>auchs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ordnu<span class=\"_ _2\"></span>ng (MAR). Di<span class=\"_ _2\"></span>e \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>er- und K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>ngesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>soll <span class=\"_ _2\"></span>Insi<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te hi<span class=\"_ _2\"></span>nta<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd da<span class=\"_ _2\"></span>s Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>auen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>womit Co<span class=\"_ _2\"></span>mplia<span class=\"_ _2\"></span>nce u<span class=\"_ _2\"></span>nmit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lbar <span class=\"_ _2\"></span>zum S<span class=\"_ _2\"></span>chut<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Repu<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V b<span class=\"_ _2\"></span>eitr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die BWG<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Compli<span class=\"_ _2\"></span>ance<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>koordi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Prozesse <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikobewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Umse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung u<span class=\"_ _2\"></span>nd Ein<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung r<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>risc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>em\u00e4\u00df <span class=\"_ _2\"></span>\u00a7 69 <span class=\"_ _2\"></span>Abs<span class=\"_ _2\"></span>. 1 BWG mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m Zie<span class=\"_ _2\"></span>l, <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Compli<span class=\"_ _2\"></span>ance<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risi<span class=\"_ _2\"></span>ko bz<span class=\"_ _2\"></span>w. das R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>das s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us eine<span class=\"_ _2\"></span>r N<span class=\"_ _2\"></span>icht-<span class=\"_ _2\"></span>Ei<span class=\"_ _2\"></span>nhal<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r auf<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt<span class=\"_ _2\"></span>, z<span class=\"_ _2\"></span>u mini<span class=\"_ _2\"></span>mier<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d ei<span class=\"_ _2\"></span>ne ang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>e Comp<span class=\"_ _2\"></span>lianc<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Kult<span class=\"_ _2\"></span>ur in <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>zu et<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>lier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Au\u00dfe<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>m be<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sie d<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>in Com<span class=\"_ _2\"></span>plian<span class=\"_ _2\"></span>ce<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n und bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bes<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>igung <span class=\"_ _2\"></span>allf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>lliger <span class=\"_ _2\"></span>M\u00e4nge<span class=\"_ _2\"></span>l, <span class=\"_ _2\"></span>die di<span class=\"_ _2\"></span>e BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Com<span class=\"_ _2\"></span>plia<span class=\"_ _2\"></span>nce<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Fu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r T<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>t er<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>annt <span class=\"_ _2\"></span>hat<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>die BWG<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Complia<span class=\"_ _2\"></span>nce<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Funk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>oordi<span class=\"_ _2\"></span>nati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r Pr<span class=\"_ _2\"></span>ozesse in <span class=\"_ _2\"></span>Zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>hang m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _3\"></span>, Um<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zung und Ei<span class=\"_ _2\"></span>nhalt<span class=\"_ _2\"></span>ung r<span class=\"_ _2\"></span>egu<span class=\"_ _2\"></span>lator<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n zu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4ndig <span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>, lieg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>in Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Einf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d Einhal<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Prozesse<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ums<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>oris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Vorschr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten d<span class=\"_ _2\"></span>iene<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Fac<span class=\"_ _2\"></span>hbe<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die F<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ion zu<span class=\"_ _2\"></span>r Pr<span class=\"_ _2\"></span>\u00e4vent<span class=\"_ _2\"></span>ion vo<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>ldw<span class=\"_ _2\"></span>\u00e4sch<span class=\"_ _2\"></span>e &amp; <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>ror<span class=\"_ _2\"></span>ismus<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en h<span class=\"_ _2\"></span>at die <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>, G<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>w\u00e4sc<span class=\"_ _2\"></span>he u<span class=\"_ _2\"></span>nd T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>oris<span class=\"_ _2\"></span>mus<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ung in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>hind<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dabe<span class=\"_ _2\"></span>i wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>h vor<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hrdu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse R<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tlini<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Ma\u00dfnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>m das <span class=\"_ _2\"></span>Eins<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>usen <span class=\"_ _2\"></span>von ill<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>al e<span class=\"_ _2\"></span>rl<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanz<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>m zu u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bind<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Im F<span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>von Hi<span class=\"_ _2\"></span>nweise<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f Ge<span class=\"_ _2\"></span>ldw<span class=\"_ _2\"></span>\u00e4sch<span class=\"_ _2\"></span>e od<span class=\"_ _2\"></span>er T<span class=\"_ _9\"></span>err<span class=\"_ _2\"></span>oris<span class=\"_ _2\"></span>mus<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung h<span class=\"_ _2\"></span>at de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>w\u00e4sc<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>eau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>te da<span class=\"_ _2\"></span>s Bu<span class=\"_ _2\"></span>ndes<span class=\"_ _2\"></span>minis<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ium f\u00fcr <span class=\"_ _2\"></span>Inn<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>s zu i<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rmie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>owohl di<span class=\"_ _2\"></span>e Comp<span class=\"_ _2\"></span>lianc<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldw<span class=\"_ _2\"></span>\u00e4sch<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ten d<span class=\"_ _2\"></span>irek<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>m G<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>t<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>vorstand.<span class=\"_ _39f\"> </span>Die F<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>sikoma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Revi<span class=\"_ _2\"></span>sion s<span class=\"_ _2\"></span>owie je<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>A<span class=\"_ _9\"></span>G<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Complia<span class=\"_ _2\"></span>nce<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r BWG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Com<span class=\"_ _2\"></span>plia<span class=\"_ _2\"></span>nce <span class=\"ff2 ls2 ws1\"> </span>und d<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>r\u00e4ve<span class=\"_ _2\"></span>ntion <span class=\"_ _2\"></span>von G<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>w\u00e4s<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>&amp; T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rro<span class=\"_ _2\"></span>rism<span class=\"_ _2\"></span>us<span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung sin<span class=\"_ _2\"></span>d in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V von<span class=\"_ _2\"></span>eina<span class=\"_ _2\"></span>nder <span class=\"_ _2\"></span>unab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>ig or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Damit <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t gew\u00e4<span class=\"_ _2\"></span>hrl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>diese <span class=\"_ _2\"></span>Or<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>anisa<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>seinh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n ih<span class=\"_ _2\"></span>re Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nes w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>n inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>ont<span class=\"_ _2\"></span>rolls<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tems <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>weck<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>entsprechend <span class=\"_ _2\"></span>wahrnehmen k\u00f6nnen.<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>c Risiko<span class=\"_ _9\"></span>strategie<span class=\"_ _39f\"> </span>Die b<span class=\"_ _2\"></span>ewus<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e von R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>angem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>ne Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt e<span class=\"_ _2\"></span>ine d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V dar<span class=\"_ _9\"></span>. Dab<span class=\"_ _2\"></span>ei g<span class=\"_ _2\"></span>ilt <span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>, ein <span class=\"_ _2\"></span>ausge<span class=\"_ _2\"></span>wogen<span class=\"_ _2\"></span>es Verh\u00e4l<span class=\"_ _2\"></span>tnis <span class=\"_ _2\"></span>von R<span class=\"_ _2\"></span>isiko u<span class=\"_ _2\"></span>nd Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>ag zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, um <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hhalt<span class=\"_ _2\"></span>ig e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>ag zu<span class=\"_ _2\"></span>r posi<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n Unternehmens<span class=\"_ _9\"></span>entwicklung zu<span class=\"_ _9\"></span> leisten.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht u<span class=\"_ _2\"></span>nter <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>ie komp<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te, <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Inha<span class=\"_ _2\"></span>lte f<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>ussie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te D<span class=\"_ _2\"></span>ok<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>er r<span class=\"_ _2\"></span>isiko<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>poli<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Gr<span class=\"_ _2\"></span>undha<span class=\"_ _2\"></span>ltung<span class=\"_ _2\"></span>. Dah<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>die R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie a<span class=\"_ _2\"></span>ls I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>bsich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mens<span class=\"_ _2\"></span>ziele <span class=\"_ _2\"></span>im Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ablau<span class=\"_ _2\"></span>f vers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht im <span class=\"_ _2\"></span>Eink<span class=\"_ _2\"></span>lang <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gie <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>gep<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m kon<span class=\"_ _2\"></span>ser<span class=\"_ _3\"></span>vat<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>ang m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>n ba<span class=\"_ _2\"></span>nkb<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>blich<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en Anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>enti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en F<span class=\"_ _2\"></span>oku<span class=\"_ _2\"></span>s im <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ieb u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r O<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>an d<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zlich<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>owie au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Rah<span class=\"_ _2\"></span>menb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>ird in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V a<span class=\"_ _2\"></span>ls in<span class=\"_ _2\"></span>tegr<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndte<span class=\"_ _2\"></span>il de<span class=\"_ _2\"></span>r s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>und o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>rung gese<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>ls B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>dtei<span class=\"_ _2\"></span>l de<span class=\"_ _2\"></span>r s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>hat d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt ins<span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>onde<span class=\"_ _2\"></span>re d<span class=\"_ _2\"></span>en Zweck d<span class=\"_ _2\"></span>er Bew<span class=\"_ _2\"></span>usst<span class=\"_ _2\"></span>mac<span class=\"_ _2\"></span>hung<span class=\"_ _3\"></span>, dass <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>heid<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n in s<span class=\"_ _2\"></span>ich b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>bew\u00e4<span class=\"_ _2\"></span>ltig<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>m\u00fcsse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht die <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>komana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s da<span class=\"_ _2\"></span>rin<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e eing<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken ad\u00e4q<span class=\"_ _2\"></span>uat z<span class=\"_ _2\"></span>u s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ein <span class=\"_ _2\"></span>Rege<span class=\"_ _2\"></span>lkre<span class=\"_ _2\"></span>isla<span class=\"_ _2\"></span>uf i<span class=\"_ _2\"></span>mple<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>er si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he Risi<span class=\"_ _2\"></span>ken i<span class=\"_ _2\"></span>dent<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, quan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, ag<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d ak<span class=\"_ _3\"></span>tiv <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>einzel<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kode<span class=\"_ _2\"></span>finit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>chan<span class=\"_ _2\"></span>isme<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Zuge die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>Regelk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>islau<span class=\"_ _2\"></span>fes <span class=\"_ _2\"></span>zur A<span class=\"_ _2\"></span>nwend<span class=\"_ _2\"></span>ung komm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>nach<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d im <span class=\"_ _2\"></span>Det<span class=\"_ _2\"></span>ail <span class=\"_ _2\"></span>besc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>iebe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>31<span class=\"_ _10\"></span>d Ri<span class=\"_ _2\"></span>siko<span class=\"_ _9\"></span>identifikation<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wi<span class=\"_ _2\"></span>rd als <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siko die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n Abwe<span class=\"_ _2\"></span>ichung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>\u00e4chl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n vom e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eten <span class=\"_ _2\"></span>Erg<span class=\"_ _2\"></span>ebni<span class=\"_ _2\"></span>s ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>t dab<span class=\"_ _2\"></span>ei R<span class=\"_ _2\"></span>isik<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>ala<span class=\"_ _2\"></span>usst<span class=\"_ _2\"></span>at<span class=\"_ _3\"></span>tung (<span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>, R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>die L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>auss<span class=\"_ _2\"></span>tat<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung (<span class=\"_ _2\"></span>IL<span class=\"_ _3\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P-<span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siken) und Stre<span class=\"_ _2\"></span>ssszen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>owohl di<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>- a<span class=\"_ _2\"></span>ls au<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>ie Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie n<span class=\"_ _2\"></span>achf<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>de Au<span class=\"_ _2\"></span>flis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V z<span class=\"_ _2\"></span>ur Anwe<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>System<span class=\"_ _2\"></span>atisi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>isikoa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>samt<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>haf<span class=\"_ _3\"></span>t dar.<span class=\"_ _39f\"> </span>Finanzielle<span class=\"_ _2\"></span> R<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>Kreditrisik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Adressausfallrisiko<span class=\"_ _39f\"> </span>Kreditkonzentrationsrisiko<span class=\"_ _39f\"> </span>Restrisiken aus kreditrisikomindern<span class=\"_ _2\"></span>den T<span class=\"_ _4\"></span>echniken<span class=\"_ _39f\"> </span>Risiko einer Anpassung <span class=\"_ _2\"></span>der Kreditbewer<span class=\"_ _2\"></span>tung Konzentrationsrisiken aus W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tpapier<span class=\"_ _2\"></span>veranlagungen<span class=\"_ _39f\"> </span>Beteiligungsrisiko<span class=\"_ _39f\"> </span>Immobilienrisiko<span class=\"_ _39f\"> </span>Marktrisiko<span class=\"_ _39f\"> </span>Zinsrisiko<span class=\"ff2 ls2 ws1\"> </span>Credit-Spread-Risiko<span class=\"ff2 ls2 ws1\"> </span>Aktienkursrisiko<span class=\"ff2 ls2 ws1\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"ff2 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>olati<span class=\"_ _2\"></span>lit\u00e4tsrisiko<span class=\"_ _39f\"> </span>Refinan<span class=\"_ _9\"></span>zierungsrisiko im ICAAP<span class=\"_ _39f\"> </span>Strukturelles Liquidit\u00e4tsrisiko im <span class=\"_ _2\"></span>ICA<span class=\"_ _2\"></span>AP<span class=\"_ _39f\"> </span>Konzentrationsrisiko der Refinanzierung im IC<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>AP<span class=\"_ _39f\"> </span>Risiko einer \u00fcberm\u00e4\u00df<span class=\"_ _9\"></span>igen V<span class=\"_ _4\"></span>erschuldung<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onzentrationsrisik<span class=\"_ _9\"></span>en Liquidit\u00e4tsrisik<span class=\"_ _4\"></span>en (I<span class=\"_ _2\"></span>LAAP-Risiken)<span class=\"_ _39f\"> </span>Dispositives Liquidit\u00e4tsrisiko<span class=\"_ _39f\"> </span>Marktliquidit\u00e4tsrisiko<span class=\"_ _39f\"> </span>Risiko einer Konzentration in <span class=\"_ _2\"></span>der Refinanzierung<span class=\"_ _39f\"> </span>Liquidit\u00e4tsrisiko aus Der<span class=\"_ _2\"></span>ivatepositionen<span class=\"_ _39f\"> </span>Liquidit\u00e4tsrisiko aus Beteiligungen<span class=\"_ _39f\"> </span>Strukturelles Liquidit\u00e4tsrisiko im <span class=\"_ _2\"></span>ILA<span class=\"_ _2\"></span>AP<span class=\"_ _39f\"> </span>Risiko aus dem Gesch\u00e4ftsmodell<span class=\"_ _39f\"> </span>Nicht<span class=\"_ _3\"></span>finanzie<span class=\"_ _2\"></span>lle R<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>Operationelles Risiko Kunden, <span class=\"_ _2\"></span>Produkte und Gesch\u00e4f<span class=\"_ _2\"></span>tsgepflogenheiten<span class=\"_ _39f\"> </span>Ausf\u00fchrungen<span class=\"_ _2\"></span>, Lieferungen <span class=\"_ _2\"></span>und Prozes<span class=\"_ _9\"></span>se<span class=\"_ _39f\"> </span>Besch\u00e4f<span class=\"_ _2\"></span>tigungspraxis und <span class=\"_ _2\"></span>Arbeitsplatzsicherh<span class=\"_ _2\"></span>eit<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsunterbrechung und <span class=\"_ _2\"></span>Systemst\u00f6rungen<span class=\"_ _39f\"> </span>Interner Betr<span class=\"_ _2\"></span>ug<span class=\"_ _39f\"> </span>Externe<span class=\"_ _2\"></span>r Betrug<span class=\"_ _39f\"> </span>Sachsch\u00e4den<span class=\"_ _39f\"> </span>Reputationsrisik<span class=\"_ _4\"></span>o<span class=\"_ _39f\"> </span>Step-in-Risik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Sonstige Risik<span class=\"_ _9\"></span>en<span class=\"_ _39f\"> </span>Systemisches Risiko<span class=\"_ _39f\"> </span>Puffer f<span class=\"_ _2\"></span>\u00fcr sonstige und nicht <span class=\"_ _2\"></span>quantifizier<span class=\"_ _2\"></span>te Risiken<span class=\"_ _39f\"> </span>Quer<span class=\"_ _2\"></span>schnit<span class=\"_ _3\"></span>tsr<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>Makro\u00f6k<span class=\"_ _9\"></span>onomisches Risik<span class=\"_ _9\"></span>o Nachhaltigkeitsrisik<span class=\"_ _4\"></span>en Globale Stresssz<span class=\"_ _9\"></span>enarien<span class=\"_ _39f\"> </span>Risiken aus geopolitischen <span class=\"_ _2\"></span>Spannungen und damit <span class=\"_ _2\"></span>einhergehende makro\u00f6konomische Effekte<span class=\"_ _39f\"> </span>Risiken aus ein<span class=\"_ _2\"></span>er Pandemie<span class=\"_ _39f\"> </span>Risiken aus atomaren <span class=\"_ _2\"></span>Zwischenf\u00e4lle<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Risiken aus Sanktion<span class=\"_ _2\"></span>en bzw. aus regulatorischen <span class=\"_ _2\"></span>Ma\u00dfnahmen<span class=\"_ _39f\"> </span>Fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n spi<span class=\"_ _2\"></span>egel<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h in d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>bila<span class=\"_ _2\"></span>nzen w<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>r und <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Auf <span class=\"_ _2\"></span>den folge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sauss<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Kreditrisik<span class=\"_ _4\"></span>o<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ge<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"ff2 ls2 ws1\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Adressausf<span class=\"_ _2\"></span>allrisiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Kreditkonzentr<span class=\"_ _2\"></span>ationsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Restrisiken aus <span class=\"_ _2\"></span>kredit<span class=\"_ _2\"></span>risikominder<span class=\"_ _2\"></span>nden T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>chniken<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risiko a<span class=\"_ _2\"></span>us d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itbe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Konzentrationsrisiken aus W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tpapier<span class=\"_ _2\"></span>veranlag<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span></span>Adressaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allrisiko<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Adr<span class=\"_ _2\"></span>essa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>iko ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ko ein<span class=\"_ _2\"></span>es g<span class=\"_ _2\"></span>\u00e4nzl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>nur te<span class=\"_ _2\"></span>ilwei<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>genp<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>i und eine<span class=\"_ _2\"></span>s da<span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>ge bz<span class=\"_ _2\"></span>w. V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Adress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>, als <span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>, kommt <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Adre<span class=\"_ _2\"></span>ssaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>der Or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>s is<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>epar<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ge<span class=\"_ _2\"></span>tren<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Kr<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>itko<span class=\"_ _2\"></span>nze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>iko Als K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>risiko <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V da<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s aus <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er ung<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichm\u00e4<span class=\"_ _2\"></span>\u00dfigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>par<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>geog<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>afis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r bz<span class=\"_ _2\"></span>w. bra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>nsp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sschwer<span class=\"_ _2\"></span>pun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tbi<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dung o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>d ge<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>so g<span class=\"_ _2\"></span>ro\u00df<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>te zu <span class=\"_ _2\"></span>gene<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>or<span class=\"_ _3\"></span>tbes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V gef<span class=\"_ _2\"></span>\u00e4hrdet ist<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Restrisike<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikomindernd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>T<span class=\"_ _10\"></span>ec<span class=\"_ _2\"></span>hniken <span class=\"_ _2\"></span> Dar<span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rnd<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>echni<span class=\"_ _2\"></span>ken we<span class=\"_ _2\"></span>nige<span class=\"_ _2\"></span>r wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam sind a<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t-, Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t-, Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>, ope<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en Risiken<span class=\"_ _9\"></span> unterschi<span class=\"_ _9\"></span>eden werd<span class=\"_ _9\"></span>en.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko vers<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die BT<span class=\"_ _3\"></span>V in di<span class=\"_ _2\"></span>esem Zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>enh<span class=\"_ _2\"></span>ang das R<span class=\"_ _2\"></span>isiko e<span class=\"_ _2\"></span>ines g<span class=\"_ _2\"></span>\u00e4nzl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r auch n<span class=\"_ _2\"></span>ur teil<span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls ein<span class=\"_ _2\"></span>er Geg<span class=\"_ _2\"></span>enpa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>s Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs bz<span class=\"_ _2\"></span>w. des Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>rs un<span class=\"_ _2\"></span>d des d<span class=\"_ _2\"></span>amit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls d<span class=\"_ _2\"></span>er au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>nen Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge bz<span class=\"_ _2\"></span>w. V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>ste de<span class=\"_ _2\"></span>s eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tals<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Als M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dw\u00e4<span class=\"_ _2\"></span>hrung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>-, A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>-, Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Volatili<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>zu ne<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h W\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sinko<span class=\"_ _2\"></span>ngr<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>komind<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ec<span class=\"_ _2\"></span>hnik<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich der <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalk<span class=\"_ _2\"></span>urs <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv z<span class=\"_ _2\"></span>um N<span class=\"_ _2\"></span>omina<span class=\"_ _2\"></span>lkur<span class=\"_ _2\"></span>s d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dites<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>\u00f6\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d somit <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenz<span class=\"_ _2\"></span>ielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng. Zi<span class=\"_ _2\"></span>ns-<span class=\"_ _2\"></span>, Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t-Sp<span class=\"_ _2\"></span>read<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risi<span class=\"_ _2\"></span>ko sind <span class=\"_ _2\"></span>vor al<span class=\"_ _2\"></span>lem <span class=\"_ _2\"></span>im Zusam<span class=\"_ _2\"></span>menh<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>seh<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. So <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>\u00fcsse die M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te von <span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(Ak<span class=\"_ _2\"></span>tien<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ihen <span class=\"_ _2\"></span>etc<span class=\"_ _2\"></span>.) verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im Zug<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>komind<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ec<span class=\"_ _2\"></span>hnike<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>htliq<span class=\"_ _2\"></span>uidie<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>rkei<span class=\"_ _2\"></span>t von T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>npo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s k\u00f6n<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>\u2013 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>chf<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apite<span class=\"_ _2\"></span>ln \u2013 <span class=\"_ _2\"></span>dazu <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ile d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>npor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lios a<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tenwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>tes d<span class=\"_ _2\"></span>er u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>l und somit <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenz<span class=\"_ _2\"></span>ielle <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Risiko einer Anpassun<span class=\"_ _9\"></span>g der K<span class=\"_ _2\"></span>reditbewer<span class=\"_ _2\"></span>tung<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>npas<span class=\"_ _2\"></span>sung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng wir<span class=\"_ _2\"></span>d als <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>os von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>par<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ei an <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>se A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung sp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>lt de<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos d<span class=\"_ _2\"></span>er Geg<span class=\"_ _2\"></span>enpa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wi<span class=\"_ _2\"></span>der, jedoc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>npar<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>ko be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht hie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, weil <span class=\"_ _2\"></span>sich die R<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>mie f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>par<span class=\"_ _3\"></span>tei e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, oh<span class=\"_ _2\"></span>ne d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>ese a<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Konzentrationsrisiken aus <span class=\"_ _2\"></span>W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tpapier<span class=\"_ _3\"></span>veranlagungen<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>(Anleihe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Fon<span class=\"_ _2\"></span>ds, <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tien) investie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>d Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwan<span class=\"_ _2\"></span>kunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und au\u00dfe<span class=\"_ _2\"></span>rgew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e k\u00f6nn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>itel <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge sow<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>sgewoge<span class=\"_ _2\"></span>ne I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>se R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Beteiligungsrisik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Als B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>(Anteilse<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>tem <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>kap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l, Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>abs<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ibunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Reduk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ille<span class=\"_ _2\"></span>n Rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n, H<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n <span class=\"ff2 ls2 ws1\"> </span>(<span class=\"_ _9\"></span>z. B<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>atro<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen) oder <span class=\"_ _2\"></span>Erge<span class=\"_ _2\"></span>bnis<span class=\"_ _2\"></span>abf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>men) bezeich<span class=\"_ _2\"></span>net<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Immobilienrisiko<span class=\"_ _39f\"> </span>Das a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>igene<span class=\"_ _2\"></span>n Veranl<span class=\"_ _2\"></span>agung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n Im<span class=\"_ _2\"></span>mobil<span class=\"_ _2\"></span>ien e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sinken<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>npr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>(Pr<span class=\"_ _2\"></span>eis\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _9\"></span>) bz<span class=\"_ _2\"></span>w. auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>iete<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n (Leer<span class=\"_ _2\"></span>sta<span class=\"_ _2\"></span>ndsrisiko, Miet<span class=\"_ _2\"></span>ausf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Marktrisiko<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>otenzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r dur<span class=\"_ _2\"></span>ch Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n von P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>und Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen a<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>m\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he Posi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k- und <span class=\"_ _2\"></span>im H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbu<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoar<span class=\"_ _3\"></span>ten Zinsrisiko, Credit-<span class=\"_ _2\"></span>Spread<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Risiko, A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tienk<span class=\"_ _2\"></span>ursrisiko, Frem<span class=\"_ _2\"></span>dw\u00e4hr<span class=\"_ _2\"></span>ungsrisiko und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>ol<span class=\"_ _2\"></span>atilit\u00e4<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>isiko zusammen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zinsrisiko<span class=\"_ _39f\"> </span>Das Z<span class=\"_ _2\"></span>insr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisg<span class=\"_ _2\"></span>r\u00f6\u00dfe <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>ht w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>. Zin<span class=\"_ _2\"></span>s\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken <span class=\"_ _2\"></span>in un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ar<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und Weise a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikosit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. Die b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>sind h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>tef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Ein<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t auf d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ite b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>gemin<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>insbu<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Einkomm<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ite b<span class=\"_ _2\"></span>irg<span class=\"_ _3\"></span>t da<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko, d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h ei<span class=\"_ _2\"></span>ne Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>inss\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze zu untersc<span class=\"_ _2\"></span>hreiten<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Z<span class=\"_ _2\"></span>insrisikos<span class=\"_ _39f\"> </span>Die ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Fo<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es Z<span class=\"_ _2\"></span>insr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Zinsgapr<span class=\"_ _2\"></span>isiko: Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von z<span class=\"_ _2\"></span>insse<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>iven I<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>amit <span class=\"_ _2\"></span>verb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Zins<span class=\"_ _2\"></span>anpa<span class=\"_ _2\"></span>ssung. <span class=\"_ _2\"></span>Das Z<span class=\"_ _2\"></span>insg<span class=\"_ _2\"></span>apr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen h<span class=\"_ _2\"></span>insic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Ak<span class=\"_ _3\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, Pa<span class=\"_ _2\"></span>ssiv<span class=\"_ _2\"></span>a sowi<span class=\"_ _2\"></span>e au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bilan<span class=\"_ _2\"></span>zielle<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n (N<span class=\"_ _2\"></span>eub<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts das R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>aus Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ne<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>alt d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve er<span class=\"_ _3\"></span>w\u00e4c<span class=\"_ _2\"></span>hst <span class=\"_ _2\"></span>(Zi<span class=\"_ _2\"></span>nsst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ven<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Basis-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko: Dies<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>srea<span class=\"_ _2\"></span>gibi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t von <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>vpos<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>insbi<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>und ent<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Absic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>ein a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>eine Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>zu le<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Nichtline<span class=\"_ _2\"></span>are Risike<span class=\"_ _2\"></span>n: Die n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>aren <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>ch O<span class=\"_ _2\"></span>ptio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n gen<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m G<span class=\"_ _2\"></span>amma<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>m Vegae<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t von O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n, einschli<span class=\"_ _9\"></span>e\u00dflich<span class=\"_ _9\"></span> eingebetteter Optionen.<span class=\"_ _39f\"> </span>Credit-Spre<span class=\"_ _2\"></span>ad-<span class=\"_ _3\"></span>Risiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>read <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellt <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikopr<span class=\"_ _2\"></span>\u00e4mie <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Inves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>on \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t- und <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ken d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>. De<span class=\"_ _2\"></span>r Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>Rendit<span class=\"_ _2\"></span>edif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er r<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>Refe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zanl<span class=\"_ _2\"></span>eih<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das Credi<span class=\"_ _2\"></span>t-Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risiko <span class=\"_ _2\"></span>find<span class=\"_ _2\"></span>et i<span class=\"_ _2\"></span>n Subs<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>chwan<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nlei<span class=\"_ _2\"></span>henp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>os, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ins\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, se<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lag.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienkur<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Als A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv auf d<span class=\"_ _2\"></span>as e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremdw\u00e4h<span class=\"_ _2\"></span>rungsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n f\u00fcr e<span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen o<span class=\"_ _2\"></span>der Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n in ein<span class=\"_ _2\"></span>er Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung einge<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>ga<span class=\"_ _2\"></span>ngen wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, die ni<span class=\"_ _2\"></span>cht dur<span class=\"_ _2\"></span>ch ein<span class=\"_ _2\"></span>e gege<span class=\"_ _2\"></span>ngl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>e Positio<span class=\"_ _2\"></span>n oder e<span class=\"_ _2\"></span>in De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ivge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>sgeg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine ung<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tige W<span class=\"_ _9\"></span>echse<span class=\"_ _2\"></span>lk<span class=\"_ _2\"></span>urse<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann dam<span class=\"_ _2\"></span>it zu Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>olatilit\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Als Volatil<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko wir<span class=\"_ _2\"></span>d da<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko de<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von g<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>und ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Op<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>olati<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>das e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Refinanz<span class=\"_ _9\"></span>ierungsrisik<span class=\"_ _4\"></span>o <span class=\"_ _2\"></span>im IC<span class=\"_ _2\"></span>AAP<span class=\"_ _39f\"> </span>Das Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siko im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP s<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich z<span class=\"_ _2\"></span>usamm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us d<span class=\"_ _2\"></span>em s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko und <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsr<span class=\"_ _2\"></span>isiko der <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung.<span class=\"_ _39f\"> </span>Struk<span class=\"_ _3\"></span>turelles<span class=\"_ _2\"></span> Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko im<span class=\"_ _2\"></span> I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>AP<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>im we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>en Si<span class=\"_ _2\"></span>nn, <span class=\"_ _2\"></span>also <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ko aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>ture<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko g<span class=\"_ _2\"></span>enan<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, besc<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>ibt im <span class=\"_ _2\"></span>Wesentlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>ame <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kunge<span class=\"_ _2\"></span>n du<span class=\"_ _2\"></span>rch e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tenko<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>me <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur. Das Refin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>smit<span class=\"_ _3\"></span>tel <span class=\"_ _2\"></span>nur zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en zu k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ausre<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>wuss<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>ter E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sgesic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>en Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>teni<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Einkaufskonditionen ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uern.<span class=\"_ _39f\"> </span>Konzentrations<span class=\"_ _9\"></span>risiko der Refinanzierun<span class=\"_ _9\"></span>g im I<span class=\"_ _2\"></span>CA<span class=\"_ _3\"></span>AP<span class=\"_ _39f\"> </span>Eine K<span class=\"_ _2\"></span>onzen<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung k\u00f6<span class=\"_ _2\"></span>nnte <span class=\"_ _2\"></span>im Fa<span class=\"_ _2\"></span>lle e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ken A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>usses <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Refi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsq<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>en \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>m\u00e4\u00dfig hohe <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>rsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zbes<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>uten<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>telt <span class=\"_ _2\"></span>die Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP \u00fc<span class=\"_ _2\"></span>ber die Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r teu<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Refi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsq<span class=\"_ _2\"></span>uell<span class=\"_ _2\"></span>e (B<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>bung vo<span class=\"_ _2\"></span>n Anl<span class=\"_ _2\"></span>eih<span class=\"_ _2\"></span>en am <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>talm<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t). Ein \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>m\u00e4\u00dfige<span class=\"_ _2\"></span>r Abfl<span class=\"_ _2\"></span>uss z<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>. von <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Einlag<span class=\"_ _2\"></span>en von <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lne<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>muss \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>re Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>bge<span class=\"_ _2\"></span>fed<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t werden.<span class=\"_ _39f\"> </span>Risik<span class=\"_ _9\"></span>o einer \u00fcberm\u00e4\u00dfi<span class=\"_ _9\"></span>gen V<span class=\"_ _4\"></span>erschuldun<span class=\"_ _9\"></span>g<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>m\u00e4\u00dfige<span class=\"_ _2\"></span>n Verschu<span class=\"_ _2\"></span>ldung i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>jene<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isiko, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s au<span class=\"_ _2\"></span>s ein<span class=\"_ _2\"></span>er f<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>\u00f6gli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Verschul<span class=\"_ _2\"></span>dung e<span class=\"_ _2\"></span>ines Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>inst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>tes f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>desse<span class=\"_ _2\"></span>n St<span class=\"_ _2\"></span>abili<span class=\"_ _2\"></span>t\u00e4t <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>das u<span class=\"_ _2\"></span>nvorhe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>seh<span class=\"_ _2\"></span>ene <span class=\"_ _2\"></span>Kor<span class=\"_ _2\"></span>rek<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lane<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, einsc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dflich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>u\u00dfer<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>von Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>pos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r No<span class=\"_ _2\"></span>tlage <span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>s, w<span class=\"_ _2\"></span>as z<span class=\"_ _2\"></span>u Verlus<span class=\"_ _2\"></span>ten o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r verbleiben<span class=\"_ _9\"></span>den Ak<span class=\"_ _2\"></span>tivposten f\u00fchren<span class=\"_ _9\"></span> k\u00f6nnt<span class=\"_ _9\"></span>e.<span class=\"_ _39f\"> </span>K<span class=\"_ _4\"></span>onzentrationsrisiken<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ken we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n sub<span class=\"_ _2\"></span>sumie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die in<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>halb <span class=\"_ _2\"></span>von od<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>eif<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en Risi<span class=\"_ _2\"></span>koka<span class=\"_ _2\"></span>tego<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n in d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Potenzia<span class=\"_ _2\"></span>l hab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Verlus<span class=\"_ _2\"></span>te zu <span class=\"_ _2\"></span>prod<span class=\"_ _2\"></span>uzier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>gro<span class=\"_ _2\"></span>\u00df ge<span class=\"_ _2\"></span>nug sin<span class=\"_ _2\"></span>d, <span class=\"_ _2\"></span>um die Stabi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ode<span class=\"_ _2\"></span>r ih<span class=\"_ _2\"></span>re F<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n Ke<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>bet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b au<span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>zu b<span class=\"_ _2\"></span>edro<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>im Risi<span class=\"_ _2\"></span>kopro<span class=\"_ _2\"></span>fil zu <span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Es <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nter-<span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kokonzent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd I<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isikokonze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Inte<span class=\"_ _2\"></span>r-R<span class=\"_ _2\"></span>isikokonze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion b<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>ht sic<span class=\"_ _2\"></span>h au<span class=\"_ _2\"></span>f R<span class=\"_ _2\"></span>isikokonze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>ie sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>Int<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Positio<span class=\"_ _2\"></span>nen unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Int<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>schi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Positio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d eine<span class=\"_ _2\"></span>s zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de li<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>gem<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tors <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r aus <span class=\"_ _2\"></span>in Wechse<span class=\"_ _2\"></span>lwir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Intr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>konzent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>eht s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>uf R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>konzent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us I<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n in ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikok<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>rie <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en k\u00f6n<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Liqu<span class=\"_ _9\"></span>idit\u00e4tsrisik<span class=\"_ _9\"></span>en (ILA<span class=\"_ _2\"></span>AP-Risiken<span class=\"_ _10\"></span>)<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wie <span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Dispositives Liquidit<span class=\"_ _2\"></span>\u00e4tsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Mark<span class=\"_ _2\"></span>tliquidit<span class=\"_ _2\"></span>\u00e4ts<span class=\"_ _2\"></span>risiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risiko e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Re<span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Liquidit\u00e4ts<span class=\"_ _2\"></span>risiko aus De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>atepositione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Liquidit\u00e4ts<span class=\"_ _2\"></span>risiko aus B<span class=\"_ _2\"></span>eteiligungen<span class=\"_ _39f\"> </span></span>Dispositi<span class=\"_ _2\"></span>ves Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Das d<span class=\"_ _2\"></span>isposi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko (<span class=\"_ _9\"></span>auch <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko im <span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Sinn o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iko ge<span class=\"_ _2\"></span>nannt) is<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t als die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr, dass di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>genw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>chkomm<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>es um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kounte<span class=\"_ _2\"></span>rar<span class=\"_ _3\"></span>ten:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>inri<span class=\"_ _2\"></span>siko: Al<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r unp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>albi<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>von Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>info<span class=\"_ _2\"></span>lge ni<span class=\"_ _2\"></span>cht </span>vertragskonformen V<span class=\"_ _4\"></span>erhaltens der Gegenpa<span class=\"_ _9\"></span>r<span class=\"_ _2\"></span>tei.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Abru<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>isiko: D<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>e von <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Abr<span class=\"_ _2\"></span>uf </span>von Einl<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>unbes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mter <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>indung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Wiede<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko: J<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>ausl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ende <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>smi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>bzw. e<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen z<span class=\"_ _2\"></span>u k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>Mark<span class=\"_ _3\"></span>tliquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Wird <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ew\u00f6hnli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Beg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nhei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te nu<span class=\"_ _2\"></span>r mit <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hl\u00e4ge<span class=\"_ _2\"></span>n am Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t l<span class=\"_ _2\"></span>iquidie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu k\u00f6<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>und h<span class=\"_ _2\"></span>ierd<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tsz<span class=\"_ _2\"></span>uflu<span class=\"_ _2\"></span>ss zu <span class=\"_ _2\"></span>real<span class=\"_ _2\"></span>isier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko einer Konzentration in der Refinanzierung<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h, we<span class=\"_ _2\"></span>nn e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>il d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ur Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smit<span class=\"_ _3\"></span>tel h<span class=\"_ _2\"></span>insich<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>r In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, eine<span class=\"_ _2\"></span>s od<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>ehre<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldge<span class=\"_ _2\"></span>ber, Segm<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>ogr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Geb<span class=\"_ _2\"></span>iete <span class=\"_ _2\"></span>unverh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>ism\u00e4\u00dfig <span class=\"_ _2\"></span>hoc<span class=\"_ _2\"></span>h im V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Liquidit\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko aus <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>ivate<span class=\"_ _2\"></span>positione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Hie<span class=\"_ _2\"></span>r bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r dar<span class=\"_ _2\"></span>in,<span class=\"_ _2\"></span> dass es<span class=\"_ _2\"></span> aus die<span class=\"_ _2\"></span>sen G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te<span class=\"_ _2\"></span>n zu unvor<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sab<span class=\"_ _2\"></span>fl\u00fc<span class=\"_ _2\"></span>ssen ko<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>n ka<span class=\"_ _2\"></span>nn, d<span class=\"_ _2\"></span>ie sch<span class=\"_ _2\"></span>luss<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>endli<span class=\"_ _2\"></span>ch zu re<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>en sin<span class=\"_ _2\"></span>d. D<span class=\"_ _2\"></span>ie Ur<span class=\"_ _2\"></span>sac<span class=\"_ _2\"></span>he k<span class=\"_ _2\"></span>ann in p<span class=\"_ _2\"></span>l\u00f6t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n von Wechselk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>en od<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s Zins<span class=\"_ _2\"></span>nivea<span class=\"_ _2\"></span>us liege<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Bete<span class=\"_ _2\"></span>iligunge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr von L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>abfl<span class=\"_ _2\"></span>\u00fcssen a<span class=\"_ _2\"></span>us Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht dar<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>, dass die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V als An<span class=\"_ _2\"></span>teils<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>er ei<span class=\"_ _2\"></span>nen Re<span class=\"_ _2\"></span>put<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>ade<span class=\"_ _2\"></span>n erl<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en k\u00f6nnt<span class=\"_ _2\"></span>e, wen<span class=\"_ _2\"></span>n eine B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung illiq<span class=\"_ _2\"></span>uid wir<span class=\"_ _2\"></span>d. Da<span class=\"_ _2\"></span>her s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en \u00fcb<span class=\"_ _2\"></span>er die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Vereinbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n hina<span class=\"_ _2\"></span>usgeh<span class=\"_ _2\"></span>ende A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>\u00fcsse aus Be<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en ein z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>s Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko dar.<span class=\"_ _39f\"> </span>Struk<span class=\"_ _3\"></span>turelles<span class=\"_ _2\"></span> Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko im<span class=\"_ _2\"></span> I<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP<span class=\"_ _39f\"> </span>Das s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ure<span class=\"_ _2\"></span>lle L<span class=\"_ _2\"></span>iquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>im I<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>M\u00f6g<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te h\u00e4<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie nicht <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>chen<span class=\"_ _2\"></span>de l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Disk<span class=\"_ _2\"></span>rep<span class=\"_ _2\"></span>anz i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n F\u00e4<span class=\"_ _2\"></span>lligke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann d<span class=\"_ _2\"></span>ie Wahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit <span class=\"_ _2\"></span>von L<span class=\"_ _2\"></span>iquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ngp\u00e4<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Es <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>dab<span class=\"_ _2\"></span>ei ni<span class=\"_ _2\"></span>cht u<span class=\"_ _2\"></span>m ein <span class=\"_ _2\"></span>pl\u00f6t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ern diese<span class=\"_ _2\"></span>s en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>weise <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er al<span class=\"_ _2\"></span>lm\u00e4hl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur.<span class=\"_ _39f\"> </span>Risiko aus dem Gesch\u00e4f<span class=\"_ _3\"></span>tsmodell<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al un<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>g durc<span class=\"_ _2\"></span>h ma<span class=\"_ _2\"></span>ngeln<span class=\"_ _2\"></span>de<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>odel<span class=\"_ _2\"></span>ls bz<span class=\"_ _2\"></span>w. feh<span class=\"_ _2\"></span>lend<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gie<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>es is<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>egeb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne ak<span class=\"_ _3\"></span>zept<span class=\"_ _2\"></span>able Rendit<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>kan<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Nich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>le R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>, i<span class=\"_ _2\"></span>hren <span class=\"_ _2\"></span>Prozesse<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d ihr<span class=\"_ _2\"></span>en Sys<span class=\"_ _2\"></span>teme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V un<span class=\"_ _2\"></span>ter<span class=\"_ _3\"></span>teilt <span class=\"_ _2\"></span>das nicht<span class=\"_ _3\"></span>finan<span class=\"_ _2\"></span>ziell<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siko in <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e 3 U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>upp<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Opera<span class=\"_ _2\"></span>tionelles <span class=\"_ _2\"></span>Risiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Reputationsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Step-<span class=\"_ _2\"></span>in-<span class=\"_ _3\"></span>Risiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sonst<span class=\"_ _2\"></span>ige R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Operationelles Risiko<span class=\"_ _39f\"> </span>Das o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>lle R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isikoar<span class=\"_ _3\"></span>ten:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Kunde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Prod<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>und G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sgep<span class=\"_ _2\"></span>floge<span class=\"_ _2\"></span>nhe<span class=\"_ _2\"></span>iten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ausf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, L<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>rozesse<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaf wsc9\">Besch\u00e4ftigungspraxis und Arbeitsplat<span class=\"_ _2\"></span>zsicherheit<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Gesch\u00e4f<span class=\"_ _3\"></span>tsun<span class=\"_ _2\"></span>terbr<span class=\"_ _2\"></span>echung und <span class=\"_ _2\"></span>Systems<span class=\"_ _2\"></span>t\u00f6rungen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Inter<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ex<span class=\"_ _3\"></span>tern<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>rug<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Sachsch\u00e4den<span class=\"_ _39f\"> </span></span>Als R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Pr<span class=\"_ _2\"></span>oduk<span class=\"_ _3\"></span>ten u<span class=\"_ _2\"></span>nd G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tsge<span class=\"_ _2\"></span>pfl<span class=\"_ _2\"></span>ogen<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>eb r<span class=\"_ _2\"></span>elev<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen<span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ingung<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>bea<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>bzw. ge<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht dur<span class=\"_ _2\"></span>chges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n k\u00f6nnen, gesehen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Als R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Ausf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Lie<span class=\"_ _2\"></span>fer<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Prozess<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>lust<span class=\"_ _2\"></span>e auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d von F<span class=\"_ _2\"></span>ehl<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>abwic<span class=\"_ _2\"></span>klung oder <span class=\"_ _2\"></span>im P<span class=\"_ _2\"></span>rozessma<span class=\"_ _2\"></span>nagem<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>aus B<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hunge<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spar<span class=\"_ _3\"></span>tne<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>und L<span class=\"_ _2\"></span>ief<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ante<span class=\"_ _2\"></span>n/<span class=\"_ _9\"></span>Anbie<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>sehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Ebe<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>alls zu die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>z\u00e4<span class=\"_ _2\"></span>hlt d<span class=\"_ _2\"></span>as Au<span class=\"_ _2\"></span>slage<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>das e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>eau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Gr<span class=\"_ _2\"></span>up<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>penu<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>s (g<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppe<span class=\"_ _2\"></span>ninte<span class=\"_ _2\"></span>rne <span class=\"_ _2\"></span>Ausl<span class=\"_ _2\"></span>ager<span class=\"_ _2\"></span>ung) <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng von I<span class=\"_ _2\"></span>K<span class=\"_ _3\"></span>T-Systeme<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>ung da<span class=\"_ _2\"></span>mit z<span class=\"_ _2\"></span>usam<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>menh<span class=\"_ _2\"></span>\u00e4ngen<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>stu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>das L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>komana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>nach<span class=\"_ _2\"></span>teilig <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>einfl<span class=\"_ _2\"></span>uss<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zum R<span class=\"_ _2\"></span>isiko a<span class=\"_ _2\"></span>us B<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>tig<span class=\"_ _2\"></span>ungsp<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>xis <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eit <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von H<span class=\"_ _2\"></span>andl<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e geg<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>ti<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gung<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>, G<span class=\"_ _2\"></span>esund<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>ssc<span class=\"_ _2\"></span>hut<span class=\"_ _2\"></span>z- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>vors<span class=\"_ _2\"></span>chr<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en bz<span class=\"_ _2\"></span>w. -ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>aru<span class=\"_ _2\"></span>ngen ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>to\u00dfe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d von S<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n wege<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>\u00f6rp<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>und Verlus<span class=\"_ _2\"></span>te a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von Di<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>imini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung au<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ozialer <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>kul<span class=\"_ _2\"></span>ture<span class=\"_ _2\"></span>ller V<span class=\"_ _4\"></span>erschiedenheit.<span class=\"_ _39f\"> </span>Zu den R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n aus G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>su<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>bre<span class=\"_ _2\"></span>chung u<span class=\"_ _2\"></span>nd Syste<span class=\"_ _2\"></span>mst<span class=\"_ _2\"></span>\u00f6rung<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>\u00e4hle<span class=\"_ _2\"></span>n alle R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lche a<span class=\"_ _2\"></span>us dem T<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eich I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>tions<span class=\"_ _2\"></span>- und K<span class=\"_ _2\"></span>ommun<span class=\"_ _2\"></span>ik<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>chno<span class=\"_ _2\"></span>log<span class=\"_ _2\"></span>ie (I<span class=\"_ _2\"></span>K<span class=\"_ _3\"></span>T<span class=\"_ _2\"></span>) en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. IK<span class=\"_ _3\"></span>T um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>sst al<span class=\"_ _2\"></span>le tec<span class=\"_ _2\"></span>hnisc<span class=\"_ _2\"></span>hen M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l, di<span class=\"_ _2\"></span>e der Verar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>tung od<span class=\"_ _2\"></span>er \u00dc<span class=\"_ _2\"></span>ber-<span class=\"_ _39f\"> </span>tr<span class=\"_ _2\"></span>agung von I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orm<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en die<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>. Zur Verar<span class=\"_ _2\"></span>bei<span class=\"_ _2\"></span>tung von I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>h\u00f6re<span class=\"_ _2\"></span>n die Er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie Nut<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, die Spei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rung<span class=\"_ _3\"></span>, die \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung<span class=\"_ _3\"></span>, die pro<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>ammge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>te Verarb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie inte<span class=\"_ _2\"></span>rne D<span class=\"_ _2\"></span>ars<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung und di<span class=\"_ _2\"></span>e Ausga<span class=\"_ _2\"></span>be von I<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>io<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>nen<span class=\"_ _2\"></span>. Das I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>s- und K<span class=\"_ _2\"></span>ommu<span class=\"_ _2\"></span>nik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nste<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>olog<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko (<span class=\"_ _2\"></span>IK<span class=\"_ _3\"></span>T-R<span class=\"_ _2\"></span>isiko) ist das bes<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>e ode<span class=\"_ _2\"></span>r k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ige Ris<span class=\"_ _2\"></span>iko von V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Unz<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>m\u00e4\u00dfig<span class=\"_ _2\"></span>keit od<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>s der H<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>- und S<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>ware t<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nisch<span class=\"_ _2\"></span>er I<span class=\"_ _2\"></span>nfr<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uren<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che die Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, Inte<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, Zug<span class=\"_ _2\"></span>\u00e4ngl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it und Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>it dies<span class=\"_ _2\"></span>er In<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uren o<span class=\"_ _2\"></span>der von D<span class=\"_ _2\"></span>aten b<span class=\"_ _2\"></span>ee<span class=\"_ _2\"></span>intr<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n. \u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Unte<span class=\"_ _2\"></span>r dem I<span class=\"_ _2\"></span>T-Siche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siko wir<span class=\"_ _2\"></span>d das R<span class=\"_ _2\"></span>isiko ei<span class=\"_ _2\"></span>nes unb<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ug<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>s zu IK<span class=\"_ _3\"></span>T-System<span class=\"_ _2\"></span>en und D<span class=\"_ _2\"></span>atenz<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fs von i<span class=\"_ _2\"></span>nner<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>b oder </span>au\u00dfe<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V (<span class=\"_ _9\"></span>z. B<span class=\"_ _2\"></span>. C<span class=\"_ _9\"></span>ybe<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-At<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>cken) verst<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n. H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>zu z<span class=\"_ _2\"></span>\u00e4hl<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>ch das Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>n von Schw<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch de<span class=\"_ _2\"></span>r Sch<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>z der Da<span class=\"_ _2\"></span>ten ni<span class=\"_ _2\"></span>cht me<span class=\"_ _2\"></span>hr gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>leis<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n ka<span class=\"_ _2\"></span>nn bz<span class=\"_ _2\"></span>w. die Gef<span class=\"_ _2\"></span>ahr vo<span class=\"_ _2\"></span>n Date<span class=\"_ _2\"></span>ndieb<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ahl be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, un<span class=\"_ _2\"></span>d spez<span class=\"_ _2\"></span>iell au<span class=\"_ _2\"></span>ch Cyber-R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n. \u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Das Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- un<span class=\"_ _2\"></span>d Ko<span class=\"_ _2\"></span>ntinui<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko is<span class=\"_ _2\"></span>t jen<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>K<span class=\"_ _3\"></span>T<span class=\"_ _9\"></span>-Syste<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>und </span>-<span class=\"_ _2\"></span>Date<span class=\"_ _2\"></span>n n<span class=\"_ _2\"></span>achte<span class=\"_ _2\"></span>ilig b<span class=\"_ _2\"></span>ee<span class=\"_ _2\"></span>influ<span class=\"_ _2\"></span>sst <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dazu <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>lt sowo<span class=\"_ _2\"></span>hl die <span class=\"_ _2\"></span>mange<span class=\"_ _2\"></span>lnde <span class=\"_ _2\"></span>F\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung von IK<span class=\"_ _3\"></span>T-H<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>-So<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>are<span class=\"_ _2\"></span>kompo<span class=\"_ _2\"></span>nent<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>als au<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>Schw<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>T-System<span class=\"_ _2\"></span>ma<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nagem<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>nes s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ere<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>sses <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>te d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. M<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sunt<span class=\"_ _2\"></span>erb<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hunge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d von System<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls un<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>das Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcgb<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und K<span class=\"_ _2\"></span>onti<span class=\"_ _2\"></span>nuit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siko.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Das Dat<span class=\"_ _2\"></span>enin<span class=\"_ _2\"></span>tegr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko i<span class=\"_ _2\"></span>st j<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko, d<span class=\"_ _2\"></span>ass die <span class=\"_ _2\"></span>von I<span class=\"_ _2\"></span>K<span class=\"_ _3\"></span>T<span class=\"_ _9\"></span>-Syste<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>peic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>und ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>ten D<span class=\"_ _2\"></span>aten <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>dene <span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>T-System<span class=\"_ _2\"></span>e hinwe<span class=\"_ _2\"></span>g unvolls<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4ndig<span class=\"_ _3\"></span>, unge<span class=\"_ _2\"></span>nau <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r inko<span class=\"_ _2\"></span>nsis<span class=\"_ _2\"></span>tent <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>eisp<span class=\"_ _2\"></span>iels<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d mang<span class=\"_ _2\"></span>elha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r od<span class=\"_ _2\"></span>er f<span class=\"_ _2\"></span>ehl<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>der <span class=\"_ _2\"></span>IK<span class=\"_ _3\"></span>T-Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r ver<span class=\"_ _2\"></span>schi<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Phas<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>K<span class=\"_ _3\"></span>T<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>Dat<span class=\"_ _2\"></span>enle<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>sz<span class=\"_ _2\"></span>yk<span class=\"_ _2\"></span>lus <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>d<span class=\"_ _2\"></span>. h<span class=\"_ _2\"></span>. En<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wur<span class=\"_ _3\"></span>f de<span class=\"_ _2\"></span>r Da<span class=\"_ _2\"></span>tena<span class=\"_ _2\"></span>rchi<span class=\"_ _2\"></span>tek<span class=\"_ _3\"></span>tur<span class=\"_ _9\"></span>, Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Da<span class=\"_ _2\"></span>tenmo<span class=\"_ _2\"></span>del<span class=\"_ _2\"></span>ls und/oder d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>atenb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrei<span class=\"_ _2\"></span>bung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rze<span class=\"_ _2\"></span>ichn<span class=\"_ _2\"></span>isse<span class=\"_ _2\"></span>, \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung von D<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Kon<span class=\"_ _2\"></span>trol<span class=\"_ _2\"></span>le von Da<span class=\"_ _2\"></span>tene<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>\u00fcber<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>agu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und -<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>insc<span class=\"_ _2\"></span>hlie\u00dfli<span class=\"_ _2\"></span>ch g<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nder<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Date<span class=\"_ _2\"></span>nausg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>), wa<span class=\"_ _2\"></span>s daz<span class=\"_ _2\"></span>u f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, dass <span class=\"_ _2\"></span>die F<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s In<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>tut<span class=\"_ _2\"></span>s z<span class=\"_ _2\"></span>ur Er<span class=\"_ _2\"></span>br<span class=\"_ _2\"></span>ingung <span class=\"_ _2\"></span>von D<span class=\"_ _2\"></span>iens<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tunge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>zur <span class=\"_ _2\"></span>ordnung<span class=\"_ _2\"></span>sge<span class=\"_ _2\"></span>m\u00e4\u00dfe<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ten P<span class=\"_ _2\"></span>rod<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>on von <span class=\"_ _2\"></span>(Ri<span class=\"_ _2\"></span>siko<span class=\"_ _2\"></span>-)Managem<span class=\"_ _2\"></span>ent- <span class=\"_ _2\"></span>und F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zinfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ee<span class=\"_ _2\"></span>intr<span class=\"_ _2\"></span>\u00e4ch<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Das I<span class=\"_ _2\"></span>T<span class=\"_ _9\"></span>-\u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko e<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>angel<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>F\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>s, <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hzuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>IK<span class=\"_ _3\"></span>T-System\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en </span>zeitg<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>cht <span class=\"_ _2\"></span>und ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>llier<span class=\"_ _3\"></span>t zu <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e wa<span class=\"_ _2\"></span>s umf<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>und ko<span class=\"_ _2\"></span>mple<span class=\"_ _2\"></span>xe \u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>rog<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>mme a<span class=\"_ _2\"></span>ngeht<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>em B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rug <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>te a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und vo<span class=\"_ _2\"></span>n Ha<span class=\"_ _2\"></span>ndlung<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00fcger<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Absic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>, Verunt<span class=\"_ _2\"></span>reu<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Eigent<span class=\"_ _2\"></span>um, Umge<span class=\"_ _2\"></span>hung von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>-, Re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- od<span class=\"_ _2\"></span>er in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>orsc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>Ausnah<span class=\"_ _2\"></span>me von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>Disk<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iminie<span class=\"_ _2\"></span>rung oder <span class=\"_ _2\"></span>soziale<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>d k<span class=\"_ _2\"></span>ultur<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r Versch<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>nhe<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>nn mi<span class=\"_ _2\"></span>ndes<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>s ei<span class=\"_ _2\"></span>ne in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ne P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>i be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t i<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r ex<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>trug <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>te a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von H<span class=\"_ _2\"></span>andlu<span class=\"_ _2\"></span>ngen m<span class=\"_ _2\"></span>it b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00fcge<span class=\"_ _2\"></span>risc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Absi<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erun<span class=\"_ _2\"></span>treu<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Eigent<span class=\"_ _2\"></span>um oder <span class=\"_ _2\"></span>Umge<span class=\"_ _2\"></span>hung <span class=\"_ _2\"></span>von Rec<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>svor<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h ein<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Dr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Reputationsrisik<span class=\"_ _4\"></span>o<span class=\"_ _39f\"> </span>Das Re<span class=\"_ _2\"></span>put<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Folg<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>sich a<span class=\"_ _2\"></span>us e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Wahrneh<span class=\"_ _2\"></span>mung<span class=\"_ _3\"></span>, Mei<span class=\"_ _2\"></span>nung o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Eins<span class=\"_ _2\"></span>tellung ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>r St<span class=\"_ _2\"></span>akeho<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>gen\u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bank <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4ten <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, was <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Verlus<span class=\"_ _2\"></span>t an Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aue<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>abwan<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung<span class=\"_ _3\"></span>, G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>einbu<span class=\"_ _2\"></span>\u00dfen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r re<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>onse<span class=\"_ _2\"></span>quen<span class=\"_ _2\"></span>zen f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Step-<span class=\"_ _2\"></span>in-<span class=\"_ _2\"></span>Risiko<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Step<span class=\"_ _3\"></span>-in<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risi<span class=\"_ _2\"></span>ken we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r ode<span class=\"_ _2\"></span>r p<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>ller <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung f<span class=\"_ _2\"></span>\u00fcr e<span class=\"_ _2\"></span>in nicht <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch kon<span class=\"_ _2\"></span>solid<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>res<span class=\"_ _2\"></span>ultie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, o<span class=\"_ _2\"></span>hne d<span class=\"_ _2\"></span>ass d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>ank hi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>htet <span class=\"_ _2\"></span>w\u00e4r<span class=\"_ _2\"></span>e. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er Step<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>in e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>mei<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>um Rep<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>\u00e4den <span class=\"_ _2\"></span>zu ve<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Sonstige Risi<span class=\"_ _9\"></span>k<span class=\"_ _9\"></span>en<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>wie f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Systemisches Risiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Puf<span class=\"_ _3\"></span>fer <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>te R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Diese Unterkateg<span class=\"_ _9\"></span>orien sind<span class=\"_ _9\"></span> folgenderma\u00df<span class=\"_ _9\"></span>en definiert<span class=\"_ _2\"></span>: Das s<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tem<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siko b<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>t das <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siko e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hrd<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Funk<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Sta<span class=\"_ _2\"></span>bilit<span class=\"_ _2\"></span>\u00e4t <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>gesa<span class=\"_ _2\"></span>mten <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anz<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sys<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ms. <span class=\"_ _2\"></span>So k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Zahl<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>unf<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>es M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>lneh<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>s od<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>teiln<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>n zu e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ke<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nrea<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>n f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und S<span class=\"_ _2\"></span>olve<span class=\"_ _2\"></span>nzpro<span class=\"_ _2\"></span>blem<span class=\"_ _2\"></span>e ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Vie<span class=\"_ _2\"></span>lzah<span class=\"_ _2\"></span>l and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>teiln<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>ach <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>zieht<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Puf<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>r die<span class=\"_ _2\"></span>nt z<span class=\"_ _2\"></span>ur Ab<span class=\"_ _2\"></span>dec<span class=\"_ _2\"></span>kung <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r son<span class=\"_ _2\"></span>stig<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>te R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Que<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hnit<span class=\"_ _3\"></span>tsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n k\u00f6n<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>isikoi<span class=\"_ _2\"></span>nvent<span class=\"_ _2\"></span>ar ang<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>fluss<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>\u00dft, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sowohl <span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ielle als a<span class=\"_ _2\"></span>uch n<span class=\"_ _2\"></span>icht<span class=\"_ _3\"></span>finanz<span class=\"_ _2\"></span>ielle <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>a\u00dfe<span class=\"_ _2\"></span>n von Q<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>k\u00f6nne<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf d<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>iten werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Que<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>chni<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>besc<span class=\"_ _2\"></span>hri<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Makro\u00f6k<span class=\"_ _9\"></span>onomisches Risiko<span class=\"_ _39f\"> </span>Als m<span class=\"_ _2\"></span>akr<span class=\"_ _2\"></span>o\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>he R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>zeich<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>us ung<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>im M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>biet <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>v auf <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete <span class=\"_ _2\"></span>Erge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die<span class=\"_ _2\"></span>se R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n lie<span class=\"_ _2\"></span>gen au\u00dfe<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>lb de<span class=\"_ _2\"></span>s Ein<span class=\"_ _2\"></span>flussb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ichs <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>Sens<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t von <span class=\"_ _2\"></span>Kun<span class=\"_ _2\"></span>deng<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>und M<span class=\"_ _2\"></span>\u00e4rk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n gesa<span class=\"_ _2\"></span>mt<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>\u00c4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>rding<span class=\"_ _2\"></span>s unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>dlich <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k ausg<span class=\"_ _2\"></span>epr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>ausr<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tung ber<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Au<span class=\"_ _2\"></span>s die<span class=\"_ _2\"></span>sem <span class=\"_ _2\"></span>Blic<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>nkel i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e inh<span class=\"_ _2\"></span>altl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>N\u00e4h<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tegi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>. Nachhaltigkeitsri<span class=\"_ _2\"></span>siken<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n als <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>seh<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ins<span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Adr<span class=\"_ _2\"></span>essa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>ikos \u2013 durch <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>enr<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ng und <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Leit<span class=\"_ _2\"></span>plan<span class=\"_ _2\"></span>ken \u2013<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>r auc<span class=\"_ _2\"></span>h als <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>. Die m<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>von N<span class=\"_ _2\"></span>achh<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ken fl<span class=\"_ _2\"></span>ie\u00dfe<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>die R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>\u00fcher<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>nung<span class=\"_ _3\"></span>, Stre<span class=\"_ _2\"></span>sste<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>s e<span class=\"_ _2\"></span>tc<span class=\"_ _2\"></span>. e<span class=\"_ _2\"></span>in \u2013 insbe<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nch<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rs a<span class=\"_ _2\"></span>usgese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t si<span class=\"_ _2\"></span>nd (b<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e Auto<span class=\"_ _2\"></span>mobil<span class=\"_ _2\"></span>sek<span class=\"_ _3\"></span>tor<span class=\"_ _9\"></span>, Win<span class=\"_ _2\"></span>ter<span class=\"_ _3\"></span>touri<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>mus<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Als N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>sieh<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Umwe<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, S<span class=\"_ _2\"></span>oziales <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>ntre<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ten t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>s\u00e4<span class=\"_ _2\"></span>chli<span class=\"_ _2\"></span>ch od<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>poten<span class=\"_ _2\"></span>ziell <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>hebl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ive Au<span class=\"_ _2\"></span>swi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>-, F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nz- und <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>slag<span class=\"_ _2\"></span>e sow<span class=\"_ _2\"></span>ie au<span class=\"_ _2\"></span>f die Reput<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>ns h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>rin <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>ossen <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>kli<span class=\"_ _2\"></span>mabe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>in F<span class=\"_ _2\"></span>orm <span class=\"_ _2\"></span>von p<span class=\"_ _2\"></span>hysisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken (St\u00fcrm<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>D\u00fcr<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>, An<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>eg de<span class=\"_ _2\"></span>r Me<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>sspie<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>teige<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Schn<span class=\"_ _2\"></span>ee<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allgr<span class=\"_ _2\"></span>enze<span class=\"_ _2\"></span>, \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>schwem<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n et<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>.<span class=\"_ _9\"></span>) und T<span class=\"_ _9\"></span>ran<span class=\"_ _2\"></span>sitio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isiken (Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er U<span class=\"_ _2\"></span>ms<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>kohle<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tof<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>rme <span class=\"_ _2\"></span>Wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>\u2013 Ele<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>romob<span class=\"_ _2\"></span>ilit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>angep<span class=\"_ _2\"></span>asst<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>\u00e4u<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>etc<span class=\"_ _2\"></span>.).<span class=\"_ _39f\"> </span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>das G<span class=\"_ _2\"></span>ree<span class=\"_ _2\"></span>nwas<span class=\"_ _2\"></span>hing-<span class=\"_ _3\"></span>Risi<span class=\"_ _2\"></span>ko ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Eur<span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>an Sup<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>viso<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>y <span class=\"_ _2\"></span>Auth<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>ties <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en unter <span class=\"_ _2\"></span>Gre<span class=\"_ _2\"></span>enw<span class=\"_ _2\"></span>ashing <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ax<span class=\"_ _2\"></span>is, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>zogen<span class=\"_ _2\"></span>e Auss<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>, E<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, H<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r Mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>lungen <span class=\"_ _2\"></span>das zugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Na<span class=\"_ _2\"></span>chh<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rofi<span class=\"_ _2\"></span>l ein<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns, <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s F<span class=\"_ _2\"></span>inanzp<span class=\"_ _2\"></span>rodu<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s od<span class=\"_ _2\"></span>er e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r F<span class=\"_ _2\"></span>inanzdi<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ung n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>klar und a<span class=\"_ _2\"></span>ngeme<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>wid<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>piege<span class=\"_ _2\"></span>ln<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>se P<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>xis <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nn f<span class=\"_ _2\"></span>\u00fcr Verbr<span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>*i<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>oder <span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ere <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n irref\u00fchrend sein<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>SG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isik<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk-Se<span class=\"_ _2\"></span>lf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ssess<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>2024 erk<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>urden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klimarisiko<span class=\"_ _39f\"> </span>Umwelt-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>risiko<span class=\"_ _39f\"> </span>Soziales<span class=\"_ _9\"></span> <span class=\"ls2 ws1\"> </span>Risiko<span class=\"_ _39f\"> </span>Gov<span class=\"_ _9\"></span>ernance- Risiko<span class=\"_ _2ef\"></span><span class=\"lse ws1\"><span class=\"_ _39f\"> </span>Kapitalrisik<span class=\"_ _9\"></span>en (ICAAP)<span class=\"_ _d5\"> </span><span class=\"wse\">T<span class=\"_ _4\"></span>ransitionsrisiko<span class=\"_ _108\"> </span><span class=\"ws1\">Physisches Risik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span></span></span></span>Kreditrisiko<span class=\"_ _39f\"> </span>Kontrahentenrisiko<span class=\"_ _173\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Branchenrisiko<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Regionenrisiko<span class=\"_ _2f0\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Risikomindernde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>echniken<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Beteiligungsrisiko<span class=\"_ _2f1\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Marktrisiko<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _156\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _152\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Liquidit\u00e4ts-/Refinanzierungsrisiko<span class=\"_ _6a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _1d2\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Reputationsrisiko<span class=\"_ _243\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Step-in-Risiko<span class=\"_ _23a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Das E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>s A<span class=\"_ _2\"></span>sses<span class=\"_ _2\"></span>smen<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e Wesentlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>fung<span class=\"_ _3\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ein<span class=\"_ _2\"></span>fluss h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n k\u00f6nne<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In S<span class=\"_ _2\"></span>umme <span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>nn ge<span class=\"_ _2\"></span>sag<span class=\"_ _3\"></span>t werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s sich <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>SG<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Fak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n res<span class=\"_ _2\"></span>ulti<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>t- und <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>am st<span class=\"_ _2\"></span>\u00e4rk<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alaus<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lage<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>bez\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit- <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>exp<span class=\"_ _2\"></span>osure<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt s<span class=\"_ _2\"></span>ich w<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Kre<span class=\"_ _2\"></span>ditexpos<span class=\"_ _2\"></span>ure <span class=\"_ _1d7\"> </span>Beteilig<span class=\"_ _2\"></span>ungsex<span class=\"_ _2\"></span>posure<span class=\"_ _39f\"> </span>Die Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung wir<span class=\"_ _2\"></span>d ebe<span class=\"_ _2\"></span>nso in e<span class=\"_ _2\"></span>inem m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Ausma<span class=\"_ _2\"></span>\u00df get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei sich d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t \u00fcber e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n l\u00e4nge<span class=\"_ _2\"></span>ren Zeitr<span class=\"_ _2\"></span>aum h<span class=\"_ _2\"></span>inzie<span class=\"_ _2\"></span>ht und da<span class=\"_ _2\"></span>her l<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>t auss<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>r ist<span class=\"_ _39f\"> </span><span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Seit e<span class=\"_ _2\"></span>inige<span class=\"_ _2\"></span>n Jah<span class=\"_ _2\"></span>ren w<span class=\"_ _2\"></span>ird auc<span class=\"_ _2\"></span>h imme<span class=\"_ _2\"></span>r gr<span class=\"_ _2\"></span>\u00f6\u00dfe<span class=\"_ _2\"></span>res Auge<span class=\"_ _2\"></span>nme<span class=\"_ _2\"></span>rk au<span class=\"_ _2\"></span>f die and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Ar<span class=\"_ _3\"></span>ten de<span class=\"_ _2\"></span>r Na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ger<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, um de<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>n Ausw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n fr<span class=\"_ _2\"></span>\u00fchzei<span class=\"_ _2\"></span>tig zu id<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>ren \u2013 d<span class=\"_ _2\"></span>ies find<span class=\"_ _2\"></span>et se<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Ausdr<span class=\"_ _2\"></span>uck in d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen Vorga<span class=\"_ _2\"></span>ben u<span class=\"_ _2\"></span>nd in de<span class=\"_ _2\"></span>n gese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ten Li<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>s. In de<span class=\"_ _2\"></span>n Risi<span class=\"_ _2\"></span>kost<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>egi<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V wur<span class=\"_ _2\"></span>de das T<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>ma Na<span class=\"_ _2\"></span>chh<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>keit ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nker<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, um de<span class=\"_ _2\"></span>n hohe<span class=\"_ _2\"></span>n Stelle<span class=\"_ _2\"></span>nwer<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>, den di<span class=\"_ _2\"></span>eses T<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>ma in de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V ein<span class=\"_ _2\"></span>nimmt<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>eut<span class=\"_ _2\"></span>lich zu u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikos e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>naue <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sch<span class=\"_ _2\"></span>ade<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>lle i<span class=\"_ _2\"></span>n Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit p<span class=\"_ _2\"></span>hysisc<span class=\"_ _2\"></span>hen Risiken<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Um di<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achh<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risik<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>anzh<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>en, <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>as Str<span class=\"_ _2\"></span>esst<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ing \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>alle <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en hi<span class=\"_ _2\"></span>nweg wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>nt-<span class=\"_ _39f\"> </span>wicke<span class=\"_ _2\"></span>ln. <span class=\"_ _2\"></span>Dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>gew<span class=\"_ _2\"></span>\u00e4hrl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>Na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m au<span class=\"_ _2\"></span>sreic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ausma<span class=\"_ _2\"></span>\u00df in <span class=\"_ _2\"></span>die R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V einflie\u00dfen.<span class=\"_ _39f\"> </span>Globale Stressszenarien<span class=\"_ _39f\"> </span>Glob<span class=\"_ _2\"></span>ale <span class=\"_ _2\"></span>Stress<span class=\"_ _2\"></span>szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>bz<span class=\"_ _2\"></span>w. Ka<span class=\"_ _2\"></span>tas<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>phe<span class=\"_ _2\"></span>nri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>sind <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Ere<span class=\"_ _2\"></span>igni<span class=\"_ _2\"></span>sse, <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>te da<span class=\"_ _2\"></span>s Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sl<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>len Ber<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>iona<span class=\"_ _2\"></span>ler <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>chsc<span class=\"_ _2\"></span>hlage<span class=\"_ _2\"></span>nd ve<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Aus<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>olch<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ise k\u00f6n<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>s\u00e4mt<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en ni<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hlage<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>ese n<span class=\"_ _2\"></span>ur \u00fcb<span class=\"_ _2\"></span>er um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>nde St<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en k\u00f6<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiken aus geopolitischen Spannun<span class=\"_ _9\"></span>gen und damit einhergehende <span class=\"_ _2\"></span>makro\u00f6konomi<span class=\"_ _9\"></span>sche Ef<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Die g<span class=\"_ _2\"></span>eop<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>pannung<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>ch di<span class=\"_ _2\"></span>rek<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>lneh<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>. Zus\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>ich k\u00f6<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve Lie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rke<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>prob<span class=\"_ _2\"></span>lem<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>de G<span class=\"_ _2\"></span>\u00fcter<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>ise <span class=\"_ _2\"></span>die w<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>e T<span class=\"_ _2\"></span>\u00e4tig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>\u00e4nke<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Die infl<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>te f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em M<span class=\"_ _2\"></span>arg<span class=\"_ _2\"></span>endr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>k und <span class=\"_ _2\"></span>zu e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>sumzur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>tung. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Folg<span class=\"_ _2\"></span>e is<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>e wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>e Abw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sspir<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>e, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e vie<span class=\"_ _2\"></span>le U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Mit<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>chaf<span class=\"_ _3\"></span>t zie<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>e Sit<span class=\"_ _2\"></span>uat<span class=\"_ _2\"></span>ion w<span class=\"_ _2\"></span>irk<span class=\"_ _3\"></span>t sic<span class=\"_ _2\"></span>h ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv auf d<span class=\"_ _2\"></span>ie Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tpre<span class=\"_ _2\"></span>ise d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Nos<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>-Tite<span class=\"_ _2\"></span>l, a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Verbr<span class=\"_ _2\"></span>auch<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>di<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>t\u00e4t<span class=\"_ _2\"></span>ssituation aus. Risiken aus einer Pandemie<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Pa<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>mie w<span class=\"_ _2\"></span>ird di<span class=\"_ _2\"></span>e wel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>weite <span class=\"_ _2\"></span>Ausb<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>fek<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>iner Pand<span class=\"_ _2\"></span>emie <span class=\"_ _2\"></span>als T<span class=\"_ _9\"></span>eil d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h in d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nnah<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>, dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>mie beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e in <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>m von <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irke<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Zum <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>l k<span class=\"_ _2\"></span>ann e<span class=\"_ _2\"></span>s dur<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n Loc<span class=\"_ _2\"></span>kdown <span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Pan<span class=\"_ _2\"></span>demi<span class=\"_ _2\"></span>e zu G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>tss<span class=\"_ _2\"></span>chlie<span class=\"_ _2\"></span>\u00dfungen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>dadur<span class=\"_ _2\"></span>ch z<span class=\"_ _2\"></span>u ver<span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>taus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Des <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n es <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>ank<span class=\"_ _3\"></span>te Mit<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d fe<span class=\"_ _2\"></span>hle<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ressour<span class=\"_ _2\"></span>cen z<span class=\"_ _2\"></span>u op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>en S<span class=\"_ _2\"></span>ch\u00e4d<span class=\"_ _2\"></span>en ko<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Eben<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>es <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>hlen<span class=\"_ _2\"></span>de Mit<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>er*<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>en zu <span class=\"_ _2\"></span>Syste<span class=\"_ _2\"></span>maus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en kom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Risiken aus atomaren Z<span class=\"_ _4\"></span>wischenf<span class=\"_ _2\"></span>\u00e4llen<span class=\"_ _39f\"> </span>Atomar<span class=\"_ _2\"></span>e Z<span class=\"_ _9\"></span>wisc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle k\u00f6n<span class=\"_ _2\"></span>nten si<span class=\"_ _2\"></span>ch auf d<span class=\"_ _2\"></span>ie Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it in de<span class=\"_ _2\"></span>n bet<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Reg<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d die Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd somit d<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it des Por<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lios s<span class=\"_ _2\"></span>tar<span class=\"_ _2\"></span>k be<span class=\"_ _2\"></span>eint<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiken aus Sank<span class=\"_ _2\"></span>tionen bzw. aus regulatorischen Ma\u00dfnahmen<span class=\"_ _39f\"> </span>Hie<span class=\"_ _2\"></span>runt<span class=\"_ _2\"></span>er w<span class=\"_ _2\"></span>ird d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass s<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung von G<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>v au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, ei<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Sek<span class=\"_ _3\"></span>tor o<span class=\"_ _2\"></span>der eine<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Eine <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Reg<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>he von <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>zge<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>n o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Auf<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>h\u00f6rd<span class=\"_ _2\"></span>e vor<span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>m<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>wird<span class=\"_ _2\"></span>, k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>die K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>b ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>ns e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, di<span class=\"_ _2\"></span>e At<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ion ve<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rn o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>die W<span class=\"_ _4\"></span>et<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bewerbslandschaf<span class=\"_ _2\"></span>t ver\u00e4ndern<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>31<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span> <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahren zu<span class=\"_ _9\"></span>r Messung der Risik<span class=\"_ _4\"></span>en im IC<span class=\"_ _2\"></span>AAP<span class=\"_ _39f\"> </span>Die An<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen an e<span class=\"_ _2\"></span>in quant<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>s Risiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt zur Sich<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>llung der K<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lad\u00e4<span class=\"_ _2\"></span>quan<span class=\"_ _2\"></span>z, die sic<span class=\"_ _2\"></span>h aus der 2<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>\u00e4ule von Ba<span class=\"_ _2\"></span>sel II<span class=\"_ _2\"></span>I und de<span class=\"_ _2\"></span>r betr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>en No<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>t erg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n, wer<span class=\"_ _2\"></span>den in de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V vor allem du<span class=\"_ _2\"></span>rch die au<span class=\"_ _2\"></span>f dem auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Konso<span class=\"_ _2\"></span>li<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>eis gem<span class=\"_ _2\"></span>\u00e4\u00df Ar<span class=\"_ _3\"></span>tikel 18 <span class=\"_ _9\"></span>CRR bas<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>nde R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung abged<span class=\"_ _2\"></span>eck<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Mit<span class=\"_ _2\"></span>hilf<span class=\"_ _2\"></span>e der R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng wird fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, inwiewe<span class=\"_ _2\"></span>it die BT<span class=\"_ _3\"></span>V in der L<span class=\"_ _2\"></span>age is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, une<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t eint<span class=\"_ _2\"></span>rete<span class=\"_ _2\"></span>nde K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ken zu ver<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wen<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>in ih<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP di<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>fsi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Vorga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>EZB <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>AP <span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>. In <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ad<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>unter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>t die EZB <span class=\"_ _2\"></span>die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>iden <span class=\"_ _2\"></span>Pers<span class=\"_ _2\"></span>pek<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n:<span class=\"ff2 ls2 ws1\"> </span>Ansatz<span class=\"_ _dc\"> </span><span class=\"ff6f9 fs6 lse wse\">Quantifizier<span class=\"_ _2\"></span>tes Risiko<span class=\"_ _13b\"> </span>Quantifizierungsmethodik<span class=\"_ _39f\"> </span></span>Normative Perspektive<span class=\"_ _39f\"> </span>Stresssz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>narien<span class=\"_ _b2\"> </span>Risiko, dass <span class=\"_ _2\"></span>die in Stressszenarien schlagend wer<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>denden R<span class=\"_ _2\"></span>isiken die au<span class=\"_ _2\"></span>fsichtlichen K<span class=\"_ _2\"></span>apitalquoten unter eine kritische <span class=\"_ _2\"></span>Schwelle sinken lassen<span class=\"_ _39f\"> </span>Berechnung der <span class=\"_ _2\"></span>in den <span class=\"_ _2\"></span>Stresssz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>narien schlagend werdenden Risi<span class=\"_ _2\"></span>ken und deren <span class=\"_ _2\"></span>Einfluss auf die Kapit<span class=\"_ _2\"></span>alquoten<span class=\"_ _39f\"> </span>\u00d6konomische Perspektive<span class=\"_ _39f\"> </span>\u00d6konomische Kapit<span class=\"_ _2\"></span>alausstattung<span class=\"_ _ea\"> </span>Risiko, dass <span class=\"_ _2\"></span>die uner<span class=\"_ _2\"></span>war<span class=\"_ _2\"></span>tet eintretend<span class=\"_ _2\"></span>en <span class=\"ff2 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rluste die R<span class=\"_ _2\"></span>isikodeckungsmasse \u00fcbersteigen<span class=\"_ _39f\"> </span>Ermittlung des Risi<span class=\"_ _2\"></span>kos anhand eines Value-at-Risk-<span class=\"ff2 ls2 ws1\"> </span>Ansatzes mit einem Konfidenzniveau von 99,9 <span class=\"_ _2\"></span>% und einer <span class=\"_ _2\"></span>Haltedauer von einem <span class=\"_ _2\"></span>Jahr<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r nor<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>ven Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve wird di<span class=\"_ _2\"></span>e Einhal<span class=\"_ _2\"></span>tung de<span class=\"_ _2\"></span>r auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alq<span class=\"_ _2\"></span>uoten im F<span class=\"_ _2\"></span>alle e<span class=\"_ _2\"></span>ines a<span class=\"_ _2\"></span>dver<span class=\"_ _2\"></span>sen Szen<span class=\"_ _2\"></span>ario<span class=\"_ _2\"></span>s simulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"wsde\"> </span>Das ad<span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>e Szenar<span class=\"_ _2\"></span>io umf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>en lang<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sign<span class=\"_ _2\"></span>ifik<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>en Wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>inbr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>h, de<span class=\"_ _2\"></span>r sich i<span class=\"_ _2\"></span>n hohe<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>,<span class=\"wsdf\"> </span>eine<span class=\"_ _2\"></span>m st<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>ken Einb<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>r Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>e und in s<span class=\"_ _2\"></span>tar<span class=\"_ _2\"></span>k ge<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>finanz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>koste<span class=\"_ _2\"></span>n mani<span class=\"_ _2\"></span>fes<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>urch d<span class=\"_ _2\"></span>iese F<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en<span class=\"wse0\"> </span>werde<span class=\"_ _2\"></span>n die Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge de<span class=\"_ _2\"></span>r Bank we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich b<span class=\"_ _2\"></span>ela<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t und die K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alde<span class=\"_ _2\"></span>cke in M<span class=\"_ _2\"></span>itle<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>as Szenar<span class=\"_ _2\"></span>io er<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h<span class=\"wse0\"> </span>\u00fcber z<span class=\"_ _2\"></span>umind<span class=\"_ _2\"></span>est d<span class=\"_ _2\"></span>rei J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>. \u00dcb<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>amte<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum sind die g<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zliche<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>quote<span class=\"_ _2\"></span>n zuz\u00fcgl<span class=\"_ _2\"></span>ich ei<span class=\"_ _2\"></span>nes<span class=\"wse0\"> </span>Manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ntpu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s zu er<span class=\"_ _3\"></span>f\u00fc<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Simula<span class=\"_ _2\"></span>tion p<span class=\"_ _2\"></span>er 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 zeig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, dass di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V \u00fcbe<span class=\"_ _2\"></span>r den g<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mten B<span class=\"_ _2\"></span>eob<span class=\"_ _2\"></span>acht<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>rau<span class=\"_ _2\"></span>m<span class=\"wse0\"> </span>die K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>quote<span class=\"_ _2\"></span>n samt M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>tpu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r \u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve werde<span class=\"_ _2\"></span>n die im R<span class=\"_ _2\"></span>isk-S<span class=\"_ _2\"></span>elf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>ssme<span class=\"_ _2\"></span>nt als wes<span class=\"_ _2\"></span>entl<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>rac<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isiken q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d dem<span class=\"wse0\"> </span>inter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al (R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>dec<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>sse) gegen\u00fcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ellt<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al in de<span class=\"_ _2\"></span>r \u00f6kono<span class=\"_ _2\"></span>misc<span class=\"_ _2\"></span>hen Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t im<span class=\"ws14\"> </span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en aus d<span class=\"_ _2\"></span>em au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Ke<span class=\"_ _2\"></span>rnk<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>hes u<span class=\"_ _2\"></span>m bes<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>te Abzug<span class=\"_ _2\"></span>spos<span class=\"_ _2\"></span>ten kor<span class=\"_ _2\"></span>rig<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t wir<span class=\"_ _2\"></span>d, und b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _3\"></span>t<span class=\"wse1\"> </span>zudem stille Reserven bzw. stille Lasten aus Immobilien und Wertpapieren.<span class=\"_ _39f\"> </span>Die folgende Tabelle zeigt die quantifizierten Risiken per 31.12.2024 und 31.12.202<span class=\"ff6fa\">3</span>. Risikok<span class=\"_ _9\"></span>ategorie in M<span class=\"_ _9\"></span>io. \u20ac<span class=\"_ _b7\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _20\"> </span>Anteil<span class=\"_ _fa\"> </span>31.12.2023<span class=\"_ _20\"> </span>Anteil<span class=\"_ _39f\"> </span></span>Kreditrisiko<span class=\"_ _2f2\"> </span>570,8<span class=\"_ _fe\"> </span>40,7 <span class=\"_ _2\"></span>%<span class=\"_ _214\"> </span>578,6<span class=\"_ _fd\"> </span>43,6 %<span class=\"_ _39f\"> </span>Kreditkonzentrationsrisiko<span class=\"_ _213\"> </span>32,2<span class=\"_ _119\"> </span>2,3 %<span class=\"_ _105\"> </span>20,8<span class=\"_ _119\"> </span>1,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beteiligungsrisiko<span class=\"_ _33\"> </span>267,3<span class=\"_ _fe\"> </span>19,1 <span class=\"_ _2\"></span>%<span class=\"_ _214\"> </span>255,9<span class=\"_ _fd\"> </span>19,3 %<span class=\"_ _39f\"> </span>Immobilienrisiko<span class=\"_ _2d8\"> </span>27,8<span class=\"_ _119\"> </span>2,0 %<span class=\"_ _105\"> </span>27,3<span class=\"_ _183\"> </span>2,1 %<span class=\"_ _39f\"> </span>Marktrisiko<span class=\"_ _2f2\"> </span>207,0<span class=\"_ _fd\"> </span>14,8 %<span class=\"_ _214\"> </span>163,2<span class=\"_ _fe\"> </span>12,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Refinanzierungsrisiko<span class=\"_ _2f3\"> </span>45,6<span class=\"_ _119\"> </span>3,3 %<span class=\"_ _105\"> </span>48,9<span class=\"_ _183\"> </span>3,7 %<span class=\"_ _39f\"> </span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _51\"> </span>40,9<span class=\"_ _183\"> </span>2,9 %<span class=\"_ _105\"> </span>38,9<span class=\"_ _183\"> </span>2,9 %<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _17f\"> </span>109,3<span class=\"_ _119\"> </span>7,8 %<span class=\"_ _105\"> </span>95,4<span class=\"_ _183\"> </span>7,2 %<span class=\"_ _39f\"> </span>Puffer f<span class=\"_ _2\"></span>\u00fcr sonstige und nicht <span class=\"_ _2\"></span>quantifizierbare R<span class=\"_ _2\"></span>isiken<span class=\"_ _7e\"> </span>101,1<span class=\"_ _119\"> </span>7,2 %<span class=\"_ _105\"> </span>96,8<span class=\"_ _183\"> </span>7,3 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _1fc\"> </span>1.402,1<span class=\"_ _192\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _132\"> </span></span>1.325,7<span class=\"_ _122\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Die Aus<span class=\"_ _2\"></span>n\u00fct<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikode<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>masse b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ug in de<span class=\"_ _2\"></span>r \u00f6kono<span class=\"_ _2\"></span>misc<span class=\"_ _2\"></span>hen Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive per 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 66<span class=\"_ _2\"></span>,9 % (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>,9 %<span class=\"_ _2\"></span>).<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>f Kreditrisik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>et i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng zur <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ad<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allri<span class=\"_ _2\"></span>sikos i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen Persp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive d<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Basi<span class=\"_ _2\"></span>sans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ie b<span class=\"_ _2\"></span>eisp<span class=\"_ _2\"></span>iels<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sabg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n etc<span class=\"_ _3\"></span>. wir<span class=\"_ _2\"></span>d der <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z zur <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Den ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter z<span class=\"_ _2\"></span>ur Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung de<span class=\"_ _2\"></span>s Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos ste<span class=\"_ _2\"></span>llt im I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z die Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>t dar. Diese wird aus ban<span class=\"_ _2\"></span>kint<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s ab<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>itet<span class=\"_ _3\"></span>. F\u00fcr Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e f\u00fcr B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n und Im<span class=\"_ _2\"></span>mobil<span class=\"_ _2\"></span>ienp<span class=\"_ _2\"></span>rojek<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en sin<span class=\"_ _2\"></span>d Rat<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>sys<span class=\"_ _2\"></span>tem<span class=\"_ _2\"></span>e im Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, mit de<span class=\"_ _2\"></span>nen e<span class=\"_ _2\"></span>ine Eint<span class=\"_ _2\"></span>eilung d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiken i<span class=\"_ _2\"></span>n eine<span class=\"_ _2\"></span>r Sk<span class=\"_ _2\"></span>ala mi<span class=\"_ _2\"></span>t 1<span class=\"_ _4\"></span>3 zur Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>en vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wi<span class=\"_ _2\"></span>rd. D<span class=\"_ _2\"></span>as Ra<span class=\"_ _2\"></span>ting bil<span class=\"_ _2\"></span>det d<span class=\"_ _2\"></span>ie Basi<span class=\"_ _2\"></span>s f\u00fcr d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung von K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n und sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>sset<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngen f<span class=\"_ _2\"></span>\u00fcr ein<span class=\"_ _2\"></span>e risi<span class=\"_ _2\"></span>koadju<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung sowie di<span class=\"_ _2\"></span>e Fr\u00fch<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kennung vo<span class=\"_ _2\"></span>n Prob<span class=\"_ _2\"></span>lem<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Pre<span class=\"_ _2\"></span>isk<span class=\"_ _2\"></span>alk<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion im K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>aut dar<span class=\"_ _2\"></span>auf a<span class=\"_ _2\"></span>uf und e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>amit un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von r<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>igen R<span class=\"_ _2\"></span>isikoa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Steuerung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Adressaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allrisikos<span class=\"_ _39f\"> </span>Der B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment i<span class=\"_ _2\"></span>st zu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4ndig f<span class=\"_ _2\"></span>\u00fcr die R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditb<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s sowie d<span class=\"_ _2\"></span>ie boni<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>\u00e4\u00dfige B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilung d<span class=\"_ _2\"></span>er Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. W<span class=\"_ _9\"></span>eite<span class=\"_ _2\"></span>rs er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in di<span class=\"_ _2\"></span>esem B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich d<span class=\"_ _2\"></span>ie umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>nde G<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tion d<span class=\"_ _2\"></span>es Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, das Sa<span class=\"_ _2\"></span>nier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sman<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, die Abw<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung von ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>nen K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>ngag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, die E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng von Bila<span class=\"_ _2\"></span>nz- und Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>ysen u<span class=\"_ _2\"></span>nd die Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>bewer<span class=\"_ _2\"></span>tung.<span class=\"_ _39f\"> </span>Kund<span class=\"_ _2\"></span>enn\u00e4<span class=\"_ _2\"></span>he spie<span class=\"_ _2\"></span>lt f<span class=\"_ _2\"></span>\u00fcr die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine b<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>s wic<span class=\"_ _2\"></span>htige Rol<span class=\"_ _2\"></span>le. D<span class=\"_ _2\"></span>ies sp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>lt sich a<span class=\"_ _2\"></span>uch s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>rk im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditm<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t wide<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"ff2\"> </span>Ein tour<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Aus<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>usch z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>denb<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>reuung u<span class=\"_ _2\"></span>nd den M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditm<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts i<span class=\"_ _2\"></span>st eb<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>o selbs<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>vers<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>h wie De<span class=\"_ _2\"></span>bito<span class=\"_ _2\"></span>renb<span class=\"_ _2\"></span>esp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hungen u<span class=\"_ _2\"></span>nd reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfige Einzel<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allbe<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s von Fr\u00fchw<span class=\"_ _2\"></span>arn<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i Be<span class=\"_ _2\"></span>dar<span class=\"_ _3\"></span>f finde<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h ein dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er Kon<span class=\"_ _2\"></span>tak<span class=\"_ _3\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n dem K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment u<span class=\"_ _2\"></span>nd den K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Als wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Ziel<span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr das Manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt des A<span class=\"_ _2\"></span>dress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos wu<span class=\"_ _2\"></span>rden d<span class=\"_ _2\"></span>ie lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige O<span class=\"_ _2\"></span>ptim<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts im H<span class=\"_ _2\"></span>inbl<span class=\"_ _2\"></span>ick au<span class=\"_ _2\"></span>f die Ri<span class=\"_ _2\"></span>siko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>Relat<span class=\"_ _2\"></span>ion sowi<span class=\"_ _2\"></span>e kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig d<span class=\"_ _2\"></span>ie Err<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung der j<span class=\"_ _2\"></span>eweils b<span class=\"_ _2\"></span>udget<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikoziel<span class=\"_ _2\"></span>e in den e<span class=\"_ _2\"></span>inzeln<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. <span class=\"ff2\"> </span>Zu den R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>chnike<span class=\"_ _2\"></span>n auf Ei<span class=\"_ _2\"></span>nzele<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e z\u00e4h<span class=\"_ _2\"></span>len di<span class=\"_ _2\"></span>e Bon<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng bei d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>, die He<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>e von Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n, l<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ende \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>achung d<span class=\"_ _2\"></span>er Ko<span class=\"_ _2\"></span>ntoge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ion und to<span class=\"_ _2\"></span>urli<span class=\"_ _2\"></span>che \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung des R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings u<span class=\"_ _2\"></span>nd der Wer<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung. E<span class=\"_ _2\"></span>bens<span class=\"_ _2\"></span>o er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>de und ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r Ereig<span class=\"_ _2\"></span>nisse (z. B. Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>, I<span class=\"_ _2\"></span>nfl<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. F\u00fcr im Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r iden<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>te und qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>te Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en gew<span class=\"_ _2\"></span>issen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>haf<span class=\"_ _2\"></span>t Risikovorsorgen gebildet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te mit <span class=\"_ _2\"></span>Nachsichten<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r For<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>nce (N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht) werd<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>nzession<span class=\"_ _2\"></span>en (Zug<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>dnisse) an einen S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Schw<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>iten h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>, sein<span class=\"_ _2\"></span>en fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen n<span class=\"_ _2\"></span>achzu<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, od<span class=\"_ _2\"></span>er k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z vor sol<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Schw<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die K<span class=\"_ _2\"></span>ennze<span class=\"_ _2\"></span>ichnu<span class=\"_ _2\"></span>ng von Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t auf Einze<span class=\"_ _2\"></span>lgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sebe<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>r Kon<span class=\"_ _2\"></span>zession ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>teht m<span class=\"_ _2\"></span>an:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>uns<span class=\"_ _2\"></span>ten d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine v\u00f6l<span class=\"_ _2\"></span>lige o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>teilwe<span class=\"_ _2\"></span>ise U<span class=\"_ _2\"></span>msc<span class=\"_ _2\"></span>huldu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. Neus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Prob<span class=\"_ _2\"></span>lemve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span></span>Ar<span class=\"_ _2\"></span>ten von N<span class=\"_ _2\"></span>achsichten<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n von <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>Kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>max<span class=\"_ _2\"></span>. 2 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>):<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Tilg<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sauss<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Tilg<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sred<span class=\"_ _2\"></span>uzier<span class=\"_ _2\"></span>ung \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>Zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Zahlungsaufschub/<span class=\"_ _9\"></span>-mor<span class=\"_ _2\"></span>atorium (<span class=\"_ _4\"></span>siehe <span class=\"_ _2\"></span>auch Tilgung<span class=\"_ _2\"></span>saussetzung)<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Kapitalisierung von Zahlungsr<span class=\"_ _2\"></span>\u00fccks<span class=\"_ _2\"></span>t\u00e4nden/Zinsen<span class=\"_ _39f\"> </span></span>La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zinsse<span class=\"_ _2\"></span>nkung <span class=\"_ _2\"></span>(K<span class=\"_ _2\"></span>ondit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>/<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ici<span class=\"_ _2\"></span>ng) e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Lauf<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>verl\u00e4ngerung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zus\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>he Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>ms<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ozesses z<span class=\"_ _2\"></span>ur Ko<span class=\"_ _2\"></span>mpen<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>es h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikos<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00c4nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des T<span class=\"_ _2\"></span>il<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>ans<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W\u00e4hru<span class=\"_ _2\"></span>ngsu<span class=\"_ _2\"></span>mrec<span class=\"_ _2\"></span>hnung<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>. h<span class=\"_ _2\"></span>. An<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>an di<span class=\"_ _2\"></span>e W\u00e4<span class=\"_ _2\"></span>hrung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>hflows<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sonst<span class=\"_ _2\"></span>ige \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ingung<span class=\"_ _2\"></span>en/<span class=\"_ _2\"></span>Verein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Refinanz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/neue <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>linie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Erh<span class=\"_ _2\"></span>olung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Schuldenzus<span class=\"_ _2\"></span>ammenf<span class=\"_ _2\"></span>assung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilwei<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndige<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ss<span class=\"_ _39f\"> </span></span>Risiken<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich s<span class=\"_ _2\"></span>enke<span class=\"_ _2\"></span>n alle o<span class=\"_ _2\"></span>ben e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>\u00e4hnte<span class=\"_ _2\"></span>n Ma\u00dfna<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>as Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s. So<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n jedo<span class=\"_ _2\"></span>ch die ge<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns des K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>en nic<span class=\"_ _2\"></span>ht einge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bes<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ht durc<span class=\"_ _2\"></span>h die Verz\u00f6ge<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>es Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls bz<span class=\"_ _2\"></span>w. durch die Verz\u00f6<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung e<span class=\"_ _2\"></span>iner e<span class=\"_ _2\"></span>ventu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tk\u00fc<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>ung das R<span class=\"_ _2\"></span>isiko ei<span class=\"_ _2\"></span>ner ve<span class=\"_ _2\"></span>rmin<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten Ein<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>sq<span class=\"_ _2\"></span>uote<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko wi<span class=\"_ _2\"></span>rd jedo<span class=\"_ _2\"></span>ch dur<span class=\"_ _2\"></span>ch die vor jede<span class=\"_ _2\"></span>r Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sgew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng durch<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>nde T<span class=\"_ _9\"></span>rag<span class=\"_ _3\"></span>f\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd Rec<span class=\"_ _2\"></span>hnung ge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. F<span class=\"_ _2\"></span>\u00e4llt di<span class=\"_ _2\"></span>ese T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv aus<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t kein<span class=\"_ _2\"></span>e Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htsg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung un<span class=\"_ _2\"></span>d es wer<span class=\"_ _2\"></span>den no<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ige Sch<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>te hinsic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ibung e<span class=\"_ _2\"></span>ingel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dadur<span class=\"_ _2\"></span>ch wir<span class=\"_ _2\"></span>d gew\u00e4<span class=\"_ _2\"></span>hrl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass es zu ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>z\u00f6ger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls kommt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Risikomanagem<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>isiko\u00fcber<span class=\"_ _3\"></span>wachung<span class=\"_ _39f\"> </span>Die int<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>en Rege<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V seh<span class=\"_ _2\"></span>en vor<span class=\"_ _9\"></span>, dass N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sichte<span class=\"_ _2\"></span>n nur da<span class=\"_ _2\"></span>nn gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>nn eine o<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung auf Basi<span class=\"_ _2\"></span>s der vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Date<span class=\"_ _2\"></span>n, U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rlag<span class=\"_ _2\"></span>en und I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng z. B<span class=\"_ _2\"></span>. durc<span class=\"_ _2\"></span>h Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>f\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung bz<span class=\"_ _2\"></span>w. Hausha<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>). Di<span class=\"_ _2\"></span>e Bew<span class=\"_ _2\"></span>illig<span class=\"_ _2\"></span>ung wird i<span class=\"_ _2\"></span>m Komp<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>weg en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Die m<span class=\"_ _2\"></span>it dem K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>mer ge<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erei<span class=\"_ _2\"></span>nbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n imme<span class=\"_ _2\"></span>r sch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>ch dok<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. W<span class=\"_ _2\"></span>ird in b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge ei<span class=\"_ _2\"></span>ngeg<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n, m<span class=\"_ _2\"></span>\u00fcssen d<span class=\"_ _2\"></span>ie ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten bz<span class=\"_ _2\"></span>w. neuen Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge vom K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>er sowi<span class=\"_ _2\"></span>e von alle<span class=\"_ _2\"></span>n Mitk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>rn u<span class=\"_ _2\"></span>nd Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wach<span class=\"_ _2\"></span>ung wird i<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt mit<span class=\"_ _3\"></span>tels de<span class=\"_ _2\"></span>r bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>lls<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>me wi<span class=\"_ _2\"></span>e beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e \u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziehu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>- und R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>flis<span class=\"_ _2\"></span>ten vor<span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. So<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige mit d<span class=\"_ _2\"></span>em Ku<span class=\"_ _2\"></span>nden g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n durch d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>mpe<span class=\"_ _2\"></span>tenz<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>r der M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge ge<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>llier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>eg<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>achsicht<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ierung<span class=\"_ _39f\"> </span>Im Lebends<span class=\"_ _9\"></span>egment:<span class=\"_ _39f\"> </span>F\u00fcr die \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung von N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>kund<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>lten ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>h\u00e4r<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. N<span class=\"_ _2\"></span>ach Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e der N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t ein 2-<span class=\"_ _2\"></span>j\u00e4h<span class=\"_ _2\"></span>rige<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum; das Sys<span class=\"_ _2\"></span>tem p<span class=\"_ _2\"></span>r\u00fcf<span class=\"_ _3\"></span>t nac<span class=\"_ _2\"></span>h Abl<span class=\"_ _2\"></span>auf die<span class=\"_ _2\"></span>ser Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ch, o<span class=\"_ _2\"></span>b:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der K<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im Le<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>dseg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt b<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>det<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">keine \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>ehung <span class=\"_ _2\"></span>&gt; 3<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>ag<span class=\"_ _2\"></span>e vor<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">keine o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htunge<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>erh<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>, re<span class=\"_ _2\"></span>gelm<span class=\"_ _2\"></span>\u00e4\u00dfige Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>zumin<span class=\"_ _2\"></span>des<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>H\u00e4<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>ob<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>achtung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>aumes<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Zudem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t eine P<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fung d<span class=\"_ _2\"></span>urch de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>uer u<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>e Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, ob d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>r nach a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n die For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Sind di<span class=\"_ _2\"></span>e Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, f<span class=\"_ _2\"></span>\u00e4llt d<span class=\"_ _2\"></span>ie Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>smar<span class=\"_ _2\"></span>kie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng weg.<span class=\"_ _39f\"> </span>Im Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allss<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn der Kun<span class=\"_ _2\"></span>de w\u00e4hr<span class=\"_ _2\"></span>end des B<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4llt<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der Beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter<span class=\"_ _2\"></span>bro<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n; nach Wie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dung (Ra<span class=\"_ _2\"></span>ting<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung f<span class=\"_ _2\"></span>r\u00fch<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tens 1 Jahr ab Se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung der Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht m\u00f6gl<span class=\"_ _2\"></span>ich<span class=\"_ _9\"></span>) sta<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t erne<span class=\"_ _2\"></span>ut ein Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von 2 Jahre<span class=\"_ _2\"></span>n, w\u00e4hr<span class=\"_ _2\"></span>end des<span class=\"_ _2\"></span>sen vers<span class=\"_ _2\"></span>ch\u00e4r<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Kri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien gel<span class=\"_ _2\"></span>ten:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00dcber<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>hung <span class=\"_ _2\"></span>&gt; 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ch w<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r zum <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Z<span class=\"_ _4\"></span>we<span class=\"_ _2\"></span>ite N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t auf <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s g<span class=\"_ _2\"></span>eken<span class=\"_ _2\"></span>nzeich<span class=\"_ _2\"></span>nete <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>to f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t auto<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sch <span class=\"_ _2\"></span>wied<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>um Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>eg<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r 2 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e na<span class=\"_ _2\"></span>ch G<span class=\"_ _2\"></span>esun<span class=\"_ _2\"></span>dung un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>tomat<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s </span>Lebendsegment<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span>S\u00e4mt<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e in der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V zur Anwe<span class=\"_ _2\"></span>ndung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten si<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>igen Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch die K<span class=\"_ _2\"></span>la<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>sifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it von Be<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen mi<span class=\"_ _2\"></span>t gle<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>em Char<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>ter na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iste<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dab<span class=\"_ _2\"></span>ei werd<span class=\"_ _2\"></span>en die j<span class=\"_ _2\"></span>eweils g<span class=\"_ _2\"></span>\u00fclt<span class=\"_ _2\"></span>igen nati<span class=\"_ _2\"></span>onale<span class=\"_ _2\"></span>n und in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nati<span class=\"_ _2\"></span>onale<span class=\"_ _2\"></span>n Rech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten zu<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung u<span class=\"_ _2\"></span>nd \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ung von Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t und in de<span class=\"_ _2\"></span>n inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en je Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. -k<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>e von E<span class=\"_ _2\"></span>xpe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n*innen d<span class=\"_ _2\"></span>er Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t und all<span class=\"_ _2\"></span>en Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Inwi<span class=\"_ _2\"></span>eweit Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten n<span class=\"_ _2\"></span>icht nu<span class=\"_ _2\"></span>r zur inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sonde<span class=\"_ _2\"></span>rn a<span class=\"_ _2\"></span>uch zur a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tss<span class=\"_ _2\"></span>ei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>tig vorg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>hene<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikomin<span class=\"_ _2\"></span>imier<span class=\"_ _2\"></span>ung im Zug<span class=\"_ _2\"></span>e der Eig<span class=\"_ _2\"></span>enmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>telb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng her<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>zogen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bzw. ob die hi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr n<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>igen reg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>sset<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngen e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllt we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, wi<span class=\"_ _2\"></span>rd durc<span class=\"_ _2\"></span>h den B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t unter M<span class=\"_ _2\"></span>itei<span class=\"_ _2\"></span>nbezi<span class=\"_ _2\"></span>ehung d<span class=\"_ _2\"></span>es Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>chs Kreditmanagement festgeleg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung alle<span class=\"_ _2\"></span>r Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en auf B<span class=\"_ _2\"></span>asis i<span class=\"_ _2\"></span>hrer a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>ten M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te. D<span class=\"_ _2\"></span>er un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tbar-<span class=\"_ _39f\"> </span>keit von ver<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hiede<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>nar<span class=\"_ _3\"></span>ten wi<span class=\"_ _2\"></span>rd durc<span class=\"_ _2\"></span>h die Anwe<span class=\"_ _2\"></span>ndung von B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen Rec<span class=\"_ _2\"></span>hnung ge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, wel<span class=\"_ _2\"></span>che Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en wi<span class=\"_ _2\"></span>e die Dau<span class=\"_ _2\"></span>er und K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er pot<span class=\"_ _2\"></span>enzie<span class=\"_ _2\"></span>llen Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung o<span class=\"_ _2\"></span>der die M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>\u00e4ng<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it ei<span class=\"_ _2\"></span>ner Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>it be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>. Nu<span class=\"_ _2\"></span>r in F\u00e4l<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, wo die jewei<span class=\"_ _2\"></span>ligen St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze zur Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit e<span class=\"_ _2\"></span>iner S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eit nic<span class=\"_ _2\"></span>ht ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, wird d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar-<span class=\"_ _39f\"> </span>keit im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng mitb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Als we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Limit<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung nac<span class=\"_ _2\"></span>h obe<span class=\"_ _2\"></span>n dien<span class=\"_ _2\"></span>t die H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>r besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e von Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en anh<span class=\"_ _2\"></span>and ei<span class=\"_ _2\"></span>nhei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h vorge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n und -<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en dur<span class=\"_ _2\"></span>ch jewei<span class=\"_ _2\"></span>ls </span>dazu be<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ug<span class=\"_ _2\"></span>te M<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt und \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. Wo sinnvoll, m\u00f6g<span class=\"_ _2\"></span>lich u<span class=\"_ _2\"></span>nd mit au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>itig<span class=\"_ _2\"></span>en Vorgab<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, werde<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n und unte<span class=\"_ _2\"></span>r Einbi<span class=\"_ _2\"></span>ndung ex<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>ner I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>telt un<span class=\"_ _2\"></span>d ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ualis<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. W<span class=\"_ _9\"></span>o Mark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n nicht a<span class=\"_ _2\"></span>utoma<span class=\"_ _2\"></span>tisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n, komm<span class=\"_ _2\"></span>en vom K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>sprozess un<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ne und ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen zu<span class=\"_ _2\"></span>m Einsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z. I<span class=\"_ _2\"></span>n jede<span class=\"_ _2\"></span>m Fall e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng gem\u00e4<span class=\"_ _2\"></span>\u00df den d<span class=\"_ _2\"></span>urch M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgeex<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n vor-<span class=\"_ _39f\"> </span>gege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rds und K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, die au<span class=\"_ _2\"></span>ch die au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en und M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htige<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>azu geh\u00f6<span class=\"_ _2\"></span>ren Vorga<span class=\"_ _2\"></span>ben z<span class=\"_ _2\"></span>ur Ak<span class=\"_ _3\"></span>tuali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00e4u<span class=\"_ _2\"></span>figke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, zu d<span class=\"_ _2\"></span>en ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>eten Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, zu au\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>urli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von Sond<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n etc<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>ell f<span class=\"_ _2\"></span>\u00fcr die g<span class=\"_ _2\"></span>r\u00f6\u00dfte Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tenk<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u2013 hyp<span class=\"_ _2\"></span>othe<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten \u2013 e<span class=\"_ _2\"></span>xis<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>illier<span class=\"_ _3\"></span>te Dok<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n zur Einh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>er und i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>svor<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, zur Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng nach<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>iger D<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>quali<span class=\"_ _2\"></span>t\u00e4t u<span class=\"_ _2\"></span>nd zur Auss<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t von Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>. Die Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisse a<span class=\"_ _2\"></span>utoma<span class=\"_ _2\"></span>tisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ungen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n sti<span class=\"_ _2\"></span>chpr<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig und gesa<span class=\"_ _2\"></span>mtpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig fa<span class=\"_ _2\"></span>chli<span class=\"_ _2\"></span>ch val<span class=\"_ _2\"></span>idier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, um e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>waig<span class=\"_ _2\"></span>e Anpa<span class=\"_ _2\"></span>ssung<span class=\"_ _2\"></span>snot<span class=\"_ _3\"></span>wendig<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n fr<span class=\"_ _2\"></span>\u00fchze<span class=\"_ _2\"></span>itig zu e<span class=\"_ _2\"></span>rke<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>. \u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze orie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>ren s<span class=\"_ _2\"></span>ich an d<span class=\"_ _2\"></span>en im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von Verwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>mel<span class=\"_ _2\"></span>ten Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die sowoh<span class=\"_ _2\"></span>l rec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che als a<span class=\"_ _2\"></span>uch </span>siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>nar<span class=\"_ _3\"></span>tensp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>h fa<span class=\"_ _2\"></span>chlic<span class=\"_ _2\"></span>he Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>e mitb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r hinau<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t ein j\u00e4h<span class=\"_ _2\"></span>rlic<span class=\"_ _2\"></span>hes B<span class=\"_ _2\"></span>ack<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>ting de<span class=\"_ _2\"></span>r durc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>itenve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>chl\u00fcss<span class=\"_ _2\"></span>e auf di<span class=\"_ _2\"></span>e Validit\u00e4t d<span class=\"_ _2\"></span>er sic<span class=\"_ _2\"></span>h in Ver<span class=\"_ _2\"></span>wendung b<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hen B<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>ehns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze erl<span class=\"_ _2\"></span>aubt<span class=\"_ _3\"></span>. Hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i wird a<span class=\"_ _2\"></span>uf die s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he Auss<span class=\"_ _2\"></span>agek<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>eac<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>oda<span class=\"_ _2\"></span>ss Anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze nur au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und von nac<span class=\"_ _2\"></span>hvoll<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ziehb<span class=\"_ _2\"></span>aren u<span class=\"_ _2\"></span>nd nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>\u00fcltige<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den Wer<span class=\"_ _2\"></span>te be<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>en sic<span class=\"_ _2\"></span>h auf de<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>solidi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>is gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>m Rechnu<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>rah<span class=\"_ _2\"></span>men I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zum Zweck des Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>sens b<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tqua<span class=\"_ _2\"></span>lit\u00e4<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en die K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der K<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u201eOhn<span class=\"_ _2\"></span>e er<span class=\"_ _2\"></span>kennb<span class=\"_ _2\"></span>ares Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko<span class=\"_ _9\"></span>\u201c befi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sich die R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>, A<span class=\"_ _4\"></span>1, 1<span class=\"_ _4\"></span>a, 1b<span class=\"_ _9\"></span>, 2a<span class=\"_ _2\"></span>, 2b und 3a mi<span class=\"_ _2\"></span>t eine<span class=\"_ _2\"></span>m PD<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h von 0,<span class=\"_ _2\"></span>05 % bis 1,65 %<span class=\"_ _2\"></span>. In d<span class=\"_ _2\"></span>er Stu<span class=\"_ _2\"></span>fe \u201e<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>it An<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>\u201c sind die R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en 3b un<span class=\"_ _2\"></span>d 4a e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten (<span class=\"_ _2\"></span>PD<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ban<span class=\"_ _2\"></span>dbre<span class=\"_ _2\"></span>ite von 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8 % b<span class=\"_ _2\"></span>is 5,<span class=\"_ _3\"></span>25 %) un<span class=\"_ _2\"></span>d in der St<span class=\"_ _2\"></span>ufe \u201e<span class=\"_ _3\"></span>Erh\u00f6<span class=\"_ _2\"></span>htes Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko\u201c die Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>se 4b m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>er von PD vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>5 %<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tegor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c b<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sich je<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolumi<span class=\"_ _2\"></span>na, f<span class=\"_ _2\"></span>\u00fcr die e<span class=\"_ _2\"></span>in Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>um im Sinn<span class=\"_ _2\"></span>e von Bas<span class=\"_ _2\"></span>el I<span class=\"_ _2\"></span>II z<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t und d<span class=\"_ _2\"></span>ie dami<span class=\"_ _2\"></span>t in den f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>se<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span> si<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>d: D<span class=\"_ _2\"></span>ie Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>se 5a beinha<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>t jene Kre<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikovol<span class=\"_ _2\"></span>umina<span class=\"_ _2\"></span>, die noch nic<span class=\"_ _2\"></span>ht in Abwick<span class=\"_ _2\"></span>lung sind; die Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikovolumi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>na in den Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en 5b und 5c werde<span class=\"_ _2\"></span>n bere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s betr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich aus d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ilanzp<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>onen \u201e<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen an K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>te\u201c (Note 2), \u201e<span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n an Kun<span class=\"_ _2\"></span>den\u201c (Not<span class=\"_ _2\"></span>e 3), \u201e<span class=\"_ _2\"></span>Sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>es Fi<span class=\"_ _2\"></span>nanz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>en\u201c ohne Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te und D<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>te (No<span class=\"_ _2\"></span>te 4) sowie de<span class=\"_ _2\"></span>n Rah<span class=\"_ _2\"></span>men un<span class=\"_ _2\"></span>d Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien (Not<span class=\"_ _2\"></span>e 33, Punk<span class=\"_ _3\"></span>t VI<span class=\"_ _2\"></span>II<span class=\"_ _2\"></span>) zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d den A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben in N<span class=\"_ _2\"></span>ote 6 in H<span class=\"_ _2\"></span>\u00f6he von 9,<span class=\"_ _3\"></span>2 Mio. \u20ac er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt sich au<span class=\"_ _2\"></span>s der R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n der A<span class=\"_ _2\"></span>LGAR<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur G<span class=\"_ _2\"></span>esamt in T<span class=\"_ _4\"></span>sd.<span class=\"_ _39f\"> </span>Stichtag<span class=\"_ _fa\"> </span><span class=\"ls9a wsb0\">Date<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.549.171<span class=\"_ _ee\"> </span>1.190.657<span class=\"_ _90\"> </span>110.053<span class=\"_ _12b\"> </span>356.337<span class=\"_ _f3\"> </span>15.206.217   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _18e\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _12b\"> </span>914.071<span class=\"_ _145\"> </span>56.582<span class=\"_ _12b\"> </span>309.707<span class=\"_ _f2\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _184\"> </span><span class=\"ff2\">378.442<span class=\"_ _145\"> </span>68.682<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>25.422<span class=\"_ _12b\"> </span>502.059</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _75\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _12b\"> </span>207.904<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>21.208<span class=\"_ _8e\"> </span>4.516.788<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>89,1 %<span class=\"_ _10d\"> </span>7,8 %<span class=\"_ _10d\"> </span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>2,3 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">58.043<span class=\"_ _145\"> </span>22.841<span class=\"_ _99\"> </span>3.497<span class=\"_ _e1\"> </span>166.253<span class=\"_ _90\"> </span>250.633</span>   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _b0\"> </span><span class=\"ff2\">35.916<span class=\"_ _f4\"> </span>16.015<span class=\"_ _99\"> </span>1.580<span class=\"_ _12b\"> </span>156.614<span class=\"_ _90\"> </span>210.125</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _c7\"> </span><span class=\"ff2\">22.128<span class=\"_ _99\"> </span>6.826<span class=\"_ _99\"> </span>1.917<span class=\"_ _99\"> </span>9.639<span class=\"_ _145\"> </span>40.509<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,9 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,2 %<span class=\"_ _114\"> </span>46,7 %<span class=\"_ _10d\"> </span>1,6 %<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.466.910<span class=\"_ _12b\"> </span>855.296<span class=\"_ _145\"> </span>60.505<span class=\"_ _12b\"> </span>270.285<span class=\"_ _f3\"> </span>14.652.996   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten<span class=\"_ _8d\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _90\"> </span>657.840<span class=\"_ _145\"> </span>39.862<span class=\"_ _12b\"> </span>215.290<span class=\"_ _ee\"> </span>9.763.593</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _7b\"> </span><span class=\"ff2\">433.898<span class=\"_ _145\"> </span>23.216<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>23.840<span class=\"_ _90\"> </span>496.120</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _169\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _e1\"> </span>174.240<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>31.155<span class=\"_ _ee\"> </span>4.393.284<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>91,9 %<span class=\"_ _10d\"> </span>5,8 %<span class=\"_ _10d\"> </span>0,4 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>1,8 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">57.608<span class=\"_ _145\"> </span>13.328<span class=\"_ _99\"> </span>2.128<span class=\"_ _e1\"> </span>125.073<span class=\"_ _90\"> </span>198.138</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffung<span class=\"_ _2\"></span>skosten<span class=\"_ _69\"> </span><span class=\"ff2\">34.281<span class=\"_ _99\"> </span>9.356<span class=\"_ _99\"> </span>1.861<span class=\"_ _12b\"> </span>108.892<span class=\"_ _90\"> </span>154.389</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _225\"> </span><span class=\"ff2\">23.327<span class=\"_ _99\"> </span>3.972<span class=\"_ _d3\"> </span>267<span class=\"_ _f4\"> </span>16.182<span class=\"_ _145\"> </span>43.748<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,6 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,5 %<span class=\"_ _114\"> </span>46,3 %<span class=\"_ _10d\"> </span>1,4 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung<span class=\"_ _5\"> </span>Gesamtausn\u00fctzung zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _7e\"> </span><span class=\"ff2\">82.261<span class=\"_ _90\"> </span>335.361<span class=\"_ _f4\"> </span>49.547<span class=\"_ _145\"> </span>86.052<span class=\"_ _90\"> </span>553.221</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _95\"> </span><span class=\"ff2\">56.410<span class=\"_ _12b\"> </span>256.231<span class=\"_ _145\"> </span>16.720<span class=\"_ _145\"> </span>94.417<span class=\"_ _12b\"> </span>423.778</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _81\"> </span>\u221255.456<span class=\"_ _145\"> </span><span class=\"ff2\">45.465<span class=\"_ _145\"> </span>14.347<span class=\"_ _99\"> </span>1.582<span class=\"_ _1e3\"> </span>5.939</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _2f5\"> </span><span class=\"ff2\">81.306<span class=\"_ _145\"> </span>33.665<span class=\"_ _f4\"> </span>18.480<span class=\"_ _f4\"> </span></span>\u22129.947<span class=\"_ _12b\"> </span><span class=\"ff2\">123.504<span class=\"_ _39f\"> </span></span>zur Gesamtausn\u00fctzung des <span class=\"_ _2\"></span>Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _251\"> </span>0,6 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>39,2 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>81,9 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>31,8 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,8 %<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj.<span class=\"_ _260\"> </span><span class=\"ff2\">435<span class=\"_ _99\"> </span>9.513<span class=\"_ _99\"> </span>1.369<span class=\"_ _f4\"> </span>41.179<span class=\"_ _145\"> </span>52.496</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _15b\"> </span><span class=\"ff2\">1.635<span class=\"_ _99\"> </span>6.659<span class=\"_ _10d\"> </span></span>\u2212281<span class=\"_ _145\"> </span><span class=\"ff2\">47.723<span class=\"_ _145\"> </span>55.735</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _be\"> </span>\u22121.200<span class=\"_ _99\"> </span><span class=\"ff2\">2.854<span class=\"_ _99\"> </span>1.650<span class=\"_ _f4\"> </span></span>\u22126.543<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _b3\"> </span>0,8 %<span class=\"_ _114\"> </span>71,4 %<span class=\"_ _114\"> </span>64,3 %<span class=\"_ _59\"> </span>32,9 %<span class=\"_ _114\"> </span>26,5 %<span class=\"_ _39f\"> </span>Das g<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>volu<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte si<span class=\"_ _2\"></span>ch im <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>um +55<span class=\"_ _9\"></span>3,<span class=\"_ _2\"></span>2 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>3,<span class=\"_ _2\"></span>8 <span class=\"_ _2\"></span>% au<span class=\"_ _2\"></span>f 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6,<span class=\"_ _3\"></span>2 Mi<span class=\"_ _2\"></span>o. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>er Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n st<span class=\"_ _2\"></span>ieg <span class=\"_ _2\"></span>um +8<span class=\"_ _2\"></span>6,1 Mio. \u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>8 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>il a<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>samt<span class=\"_ _3\"></span>volume<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug zum <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ultim<span class=\"_ _2\"></span>o 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h 1,8 % <span class=\"_ _2\"></span>im Vorjahr<span class=\"_ _39f\"> </span>Bonit\u00e4t<span class=\"_ _2\"></span>sstruk<span class=\"_ _3\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach L<span class=\"_ _2\"></span>\u00e4ndern<span class=\"_ _39f\"> </span>Rund 47<span class=\"_ _10\"></span>,9 % d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns (Summ<span class=\"_ _2\"></span>e aus fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr- ten Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n und b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>dem Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t) betr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span> inl\u00e4n<span class=\"_ _2\"></span>disch<span class=\"_ _2\"></span>e Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mer. 3<span class=\"_ _9\"></span>5,<span class=\"_ _9\"></span>1 % ent<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f deu<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che un<span class=\"_ _2\"></span>d 9,4 % auf Schwe<span class=\"_ _2\"></span>izer Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hmer. Die res<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen 7<span class=\"_ _4\"></span>,6 % ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilen si<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span> wie fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: 5<span class=\"_ _2\"></span>,0 % e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en auf d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r It<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>n, Fr<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch, S<span class=\"_ _2\"></span>chwed<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>e und N<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>. Die ve<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6 %<span class=\"_ _39f\"> </span> ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ile<span class=\"_ _2\"></span>n sich au<span class=\"_ _2\"></span>f Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er in s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen L<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Entwick<span class=\"_ _2\"></span>lung L\u00e4nderstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur Kreditrisiko in %<span class=\"_ _39f\"> </span>\u00d6sterreich                                <span class=\"_ _e1\"> </span><span class=\"ws1\">Deutschland<span class=\"_ _128\"> </span>Schw<span class=\"_ _9\"></span>eiz<span class=\"_ _13d\"> </span>Sonstige<span class=\"_ _39f\"> </span></span>BT<span class=\"_ _3\"></span>V J<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>t 2<span class=\"_ _2\"></span>024<span class=\"_ _39f\"> </span>39<span class=\"_ _2\"></span>6<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.609.562<span class=\"_ _91\"> </span>391.737<span class=\"_ _13c\"> </span>13.396<span class=\"_ _59\"> </span>132.905<span class=\"_ _112\"> </span>2.147.599<span class=\"_ _93\"> </span></span>14,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.858.327<span class=\"_ _59\"> </span>141.445<span class=\"_ _13c\"> </span>13.023<span class=\"_ _10d\"> </span>80.575<span class=\"_ _112\"> </span>2.093.369<span class=\"_ _93\"> </span></span>13,8 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _11c\"> </span><span class=\"ff2\">1.079.041<span class=\"_ _148\"> </span>99<span class=\"_ _14e\"> </span>16<span class=\"_ _89\"> </span>336<span class=\"_ _112\"> </span>1.079.492<span class=\"_ _9d\"> </span></span>7,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">956.144<span class=\"_ _10d\"> </span>24.594<span class=\"_ _fd\"> </span>2.672<span class=\"_ _13c\"> </span>17.501<span class=\"_ _112\"> </span>1.000.912<span class=\"_ _9d\"> </span></span>6,6 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">724.956<span class=\"_ _9a\"> </span>55.246<span class=\"_ _11c\"> </span>5.027<span class=\"_ _13c\"> </span>25.952<span class=\"_ _91\"> </span>811.180<span class=\"_ _9d\"> </span></span>5,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">627.067<span class=\"_ _91\"> </span>134.990<span class=\"_ _10d\"> </span>18.528<span class=\"_ _9a\"> </span>18.349<span class=\"_ _59\"> </span>798.935<span class=\"_ _9d\"> </span><span class=\"ff4\">5,3 %<span class=\"_ _39f\"> </span></span></span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">437.336<span class=\"_ _10d\"> </span>89.429<span class=\"_ _fd\"> </span>2.753<span class=\"_ _13c\"> </span>26.927<span class=\"_ _91\"> </span>556.445<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">484.400<span class=\"_ _13c\"> </span>34.631<span class=\"_ _116\"> </span>196<span class=\"_ _fd\"> </span>3.978<span class=\"_ _59\"> </span>523.205<span class=\"_ _9d\"> </span><span class=\"ff4\">3,4 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">393.470<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>393.470<span class=\"_ _9d\"> </span></span>2,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>256.624<span class=\"_ _13c\"> </span>13.132<span class=\"_ _116\"> </span>190<span class=\"_ _116\"> </span>944<span class=\"_ _59\"> </span>270.890<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>222.295<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>222.295<span class=\"_ _9d\"> </span><span class=\"ff4\">1,5 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">111.960<span class=\"_ _fd\"> </span>3.564<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>7<span class=\"_ _59\"> </span></span>115.531<span class=\"_ _9d\"> </span></span>0,8 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _42\"> </span><span class=\"ff2\">145.830<span class=\"_ _13c\"> </span>25.204<span class=\"_ _116\"> </span>781<span class=\"_ _fd\"> </span>2.233<span class=\"_ _91\"> </span>174.047<span class=\"_ _9d\"> </span></span>1,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _67\"> </span><span class=\"ff2\">76.733<span class=\"_ _13c\"> </span>61.394<span class=\"_ _10d\"> </span>29.512<span class=\"_ _13c\"> </span>25.182<span class=\"_ _91\"> </span>192.821<span class=\"_ _9d\"> </span></span>1,3 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">187.512<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>187.512<span class=\"_ _9d\"> </span></span>1,2 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">69.324<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>69.324<span class=\"_ _9d\"> </span></span>0,5 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _39f\"> </span>13.977<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>13.977<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>12.921<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>12.921<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2fa\"> </span><span class=\"ff2 lse wse\">9.073<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _fd\"> </span></span>9.073<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _fd\"> </span></span>7.027<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _27b\"> </span><span class=\"ff2 lse wse\">5.399<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _11c\"> </span></span>5.399<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">3.502<span class=\"_ _89\"> </span>260<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span></span>240<span class=\"_ _fd\"> </span>4.003<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.340.881<span class=\"_ _13c\"> </span>46.742<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _109\"> </span></span>145<span class=\"_ _112\"> </span>1.387.768<span class=\"_ _9d\"> </span><span class=\"ff4\">9,1 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.197.808<span class=\"_ _10d\"> </span>27.121<span class=\"_ _13c\"> </span>13.748<span class=\"_ _13c\"> </span>14.528<span class=\"_ _112\"> </span>1.253.205<span class=\"_ _9d\"> </span></span>8,2 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">508.107<span class=\"_ _10d\"> </span>42.160<span class=\"_ _fd\"> </span>3.215<span class=\"_ _fd\"> </span>2.096<span class=\"_ _91\"> </span>555.578<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">326.439<span class=\"_ _9a\"> </span>16.643<span class=\"_ _11c\"> </span>4.838<span class=\"_ _fd\"> </span>2.532<span class=\"_ _91\"> </span>350.453<span class=\"_ _9d\"> </span></span>2,3 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">238.302<span class=\"_ _10d\"> </span>16.534<span class=\"_ _fd\"> </span>1.346<span class=\"_ _116\"> </span>896<span class=\"_ _91\"> </span>257.077<span class=\"_ _9d\"> </span></span>1,7 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">152.129<span class=\"_ _13c\"> </span>54.862<span class=\"_ _116\"> </span>641<span class=\"_ _116\"> </span>967<span class=\"_ _59\"> </span>208.600<span class=\"_ _9d\"> </span><span class=\"ff4\">1,4 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">135.442<span class=\"_ _fd\"> </span>1.035<span class=\"_ _14e\"> </span>78<span class=\"_ _148\"> </span>44<span class=\"_ _91\"> </span>136.599<span class=\"_ _9d\"> </span></span>0,9 %<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">121.702<span class=\"_ _89\"> </span>510<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>122.212<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">51.566<span class=\"_ _fd\"> </span>1.020<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>52.586<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">49.483<span class=\"_ _fd\"> </span>1.074<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>50.650<span class=\"_ _9d\"> </span><span class=\"ff4\">0,3 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">41.931<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>41.931<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _186\"> </span><span class=\"ff2\">605<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _116\"> </span></span>605<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">99.322<span class=\"_ _116\"> </span>203<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _13c\"> </span></span>99.524<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.549.171<span class=\"_ _ea\"> </span>1.190.657<span class=\"_ _12e\"> </span>110.053<span class=\"_ _12e\"> </span>356.337<span class=\"_ _b6\"> </span>15.206.217<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>szweigen<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2024 hat die Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugung m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil von 2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _9\"></span>1 % das Reali<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>enwese<span class=\"_ _2\"></span>n mit 1<span class=\"_ _9\"></span>9,0 % auf d<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ten Pl<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _39f\"> </span>der W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>weige ver<span class=\"_ _3\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Den g<span class=\"_ _2\"></span>r\u00f6\u00dfte<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg g<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>b es mit +<span class=\"_ _9\"></span>365,<span class=\"_ _2\"></span>6 Mio. \u20ac in d<span class=\"_ _2\"></span>er Sa<span class=\"_ _2\"></span>chg\u00fc<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>ung. De<span class=\"_ _2\"></span>n gr\u00f6<span class=\"_ _2\"></span>\u00dften Ab<span class=\"_ _2\"></span>fluss<span class=\"_ _39f\"> </span>ga<span class=\"_ _2\"></span>b es mit \u2212<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6,4 M<span class=\"_ _2\"></span>io. \u20ac im B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich Di<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch de<span class=\"_ _2\"></span>r rel<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Ante<span class=\"_ _2\"></span>il von 1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>3 % au<span class=\"_ _2\"></span>f 5,4 % sa<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.622.115<span class=\"_ _91\"> </span>240.526<span class=\"_ _13c\"> </span>14.880<span class=\"_ _10d\"> </span>61.793<span class=\"_ _112\"> </span>1.939.314<span class=\"_ _93\"> </span></span>13,2 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.778.093<span class=\"_ _10d\"> </span>95.714<span class=\"_ _13c\"> </span>11.691<span class=\"_ _13c\"> </span>32.120<span class=\"_ _112\"> </span>1.917.618<span class=\"_ _6b\"> </span></span>13,1 %<span class=\"_ _39f\"> </span>Private<span class=\"_ _42\"> </span><span class=\"ff2\">1.031.891<span class=\"_ _13c\"> </span>36.607<span class=\"_ _fd\"> </span>2.986<span class=\"_ _10d\"> </span>22.714<span class=\"_ _112\"> </span>1.094.199<span class=\"_ _d3\"> </span></span>7,5 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">919.804<span class=\"_ _10d\"> </span>54.088<span class=\"_ _fd\"> </span>1.478<span class=\"_ _13c\"> </span>40.506<span class=\"_ _112\"> </span>1.015.877<span class=\"_ _9d\"> </span></span>6,9 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">957.665<span class=\"_ _fd\"> </span>8.061<span class=\"_ _14e\"> </span>25<span class=\"_ _89\"> </span>336<span class=\"_ _91\"> </span>966.088<span class=\"_ _9d\"> </span></span>6,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">574.483<span class=\"_ _91\"> </span>138.310<span class=\"_ _fd\"> </span>1.378<span class=\"_ _10d\"> </span>20.827<span class=\"_ _91\"> </span>734.999<span class=\"_ _9d\"> </span><span class=\"ff4\">5,0 %<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">615.788<span class=\"_ _9a\"> </span>18.092<span class=\"_ _11c\"> </span>6.396<span class=\"_ _13c\"> </span>29.181<span class=\"_ _91\"> </span>669.457<span class=\"_ _9d\"> </span></span>4,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">352.182<span class=\"_ _13c\"> </span>50.450<span class=\"_ _116\"> </span>304<span class=\"_ _fd\"> </span>5.892<span class=\"_ _59\"> </span>408.828<span class=\"_ _9d\"> </span><span class=\"ff4\">2,8 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">307.261<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>307.261<span class=\"_ _9d\"> </span></span>2,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>252.035<span class=\"_ _13c\"> </span>12.168<span class=\"_ _116\"> </span>329<span class=\"_ _116\"> </span>806<span class=\"_ _59\"> </span>265.339<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>252.801<span class=\"_ _116\"> </span>994<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _91\"> </span></span>253.795<span class=\"_ _9d\"> </span><span class=\"ff4\">1,7 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _104\"> </span><span class=\"ff2\">96.802<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _14e\"> </span></span>13<span class=\"_ _9a\"> </span>96.815<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">89.680<span class=\"_ _fd\"> </span>2.828<span class=\"_ _116\"> </span>394<span class=\"_ _fd\"> </span>1.101<span class=\"_ _10d\"> </span>94.003<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">156.101<span class=\"_ _10d\"> </span>14.554<span class=\"_ _9a\"> </span>14.973<span class=\"_ _10d\"> </span>19.425<span class=\"_ _91\"> </span>205.053<span class=\"_ _9d\"> </span></span>1,4 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">148.371<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>148.371<span class=\"_ _9d\"> </span></span>1,0 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">91.775<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>91.775<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _17b\"> </span><span class=\"ff2\">12.578<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>12.578<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span>9.335<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>9.335<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>8.407<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _9b\"> </span><span class=\"ff2\">4.003<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>4.194<span class=\"_ _11c\"> </span>8.196<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _6a\"> </span><span class=\"ff2 lse wse\">6.832<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>6.832<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">4.904<span class=\"_ _89\"> </span>255<span class=\"_ _109\"> </span>193<span class=\"_ _116\"> </span>221<span class=\"_ _fd\"> </span>5.573<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.201.558<span class=\"_ _13c\"> </span>26.852<span class=\"_ _116\"> </span>107<span class=\"_ _116\"> </span>637<span class=\"_ _112\"> </span>1.229.154<span class=\"_ _9d\"> </span><span class=\"ff4\">8,4 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.005.395<span class=\"_ _10d\"> </span>45.443<span class=\"_ _fd\"> </span>2.183<span class=\"_ _13c\"> </span>11.739<span class=\"_ _112\"> </span>1.064.761<span class=\"_ _9d\"> </span></span>7,3 %<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">513.705<span class=\"_ _10d\"> </span>47.233<span class=\"_ _89\"> </span>694<span class=\"_ _11c\"> </span>4.501<span class=\"_ _91\"> </span>566.132<span class=\"_ _9d\"> </span></span>3,9 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">461.353<span class=\"_ _10d\"> </span>11.563<span class=\"_ _89\"> </span>113<span class=\"_ _11c\"> </span>8.266<span class=\"_ _91\"> </span>481.295<span class=\"_ _9d\"> </span></span>3,3 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">370.794<span class=\"_ _fd\"> </span>8.140<span class=\"_ _fd\"> </span>2.145<span class=\"_ _fd\"> </span>4.392<span class=\"_ _91\"> </span>385.470<span class=\"_ _9d\"> </span></span>2,6 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">160.028<span class=\"_ _13c\"> </span>31.570<span class=\"_ _14e\"> </span>12<span class=\"_ _fd\"> </span>1.581<span class=\"_ _106\"> </span>193.192<span class=\"_ _9d\"> </span><span class=\"ff4\">1,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">136.169<span class=\"_ _fd\"> </span>1.038<span class=\"_ _109\"> </span>127<span class=\"_ _148\"> </span>38<span class=\"_ _91\"> </span>137.372<span class=\"_ _9d\"> </span></span>0,9 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">119.713<span class=\"_ _148\"> </span>20<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _91\"> </span></span>119.733<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">96.499<span class=\"_ _fd\"> </span>1.905<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>98.403<span class=\"_ _d3\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">56.045<span class=\"_ _116\"> </span>267<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>56.404<span class=\"_ _9d\"> </span><span class=\"ff4\">0,4 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">42.423<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">5<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>42.428<span class=\"_ _d3\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _184\"> </span><span class=\"ff2\">3.621<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>3.621<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">15.109<span class=\"_ _116\"> </span>205<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>15.320<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.466.910<span class=\"_ _12e\"> </span>855.296<span class=\"_ _113\"> </span>60.505<span class=\"_ _12e\"> </span>270.285<span class=\"_ _b6\"> </span>14.652.996<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">7.813.063<span class=\"_ _12b\"> </span>894.170<span class=\"_ _145\"> </span>55.865<span class=\"_ _12b\"> </span>301.983<span class=\"_ _8e\"> </span>9.065.082<span class=\"_ _59\"> </span><span class=\"ff4\">59,6 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">852.101<span class=\"_ _145\"> </span>10.140<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">3<span class=\"_ _99\"> </span></span>5.751<span class=\"_ _12b\"> </span>867.995<span class=\"_ _10d\"> </span></span>5,7 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">196.175<span class=\"_ _99\"> </span>9.759<span class=\"_ _d3\"> </span>714<span class=\"_ _1e3\"> </span>1.570<span class=\"_ _90\"> </span>208.218<span class=\"_ _10d\"> </span><span class=\"ff4\">1,4 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">23.899<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"wse\">402<span class=\"_ _145\"> </span>24.301<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">1.683<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>1.683<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.090<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>20.091<span class=\"_ _10d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">378.435<span class=\"_ _145\"> </span>61.655<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>23.527<span class=\"_ _90\"> </span>493.129<span class=\"_ _10d\"> </span><span class=\"ff4\">3,2 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.027<span class=\"_ _10d\"> </span></span>0,0 %     CHF<span class=\"_ _a0\"> </span><span class=\"ls2\">8<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.895<span class=\"_ _99\"> </span>1.903<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.920.973<span class=\"_ _12b\"> </span>206.396<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>20.977<span class=\"_ _ee\"> </span>4.172.304<span class=\"_ _114\"> </span><span class=\"ff4\">27,4 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">276.115<span class=\"_ _99\"> </span>1.009<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>212<span class=\"_ _90\"> </span>277.336<span class=\"_ _10d\"> </span></span>1,8 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">42.503<span class=\"_ _d3\"> </span>371<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">13<span class=\"_ _145\"> </span>42.887<span class=\"_ _10d\"> </span><span class=\"ff4\">0,3 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">7.741<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">7.741<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">715<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>715<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">15.670<span class=\"_ _d3\"> </span>128<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>6<span class=\"_ _145\"> </span></span>15.805<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.549.171<span class=\"_ _10a\"> </span>1.190.657<span class=\"_ _97\"> </span>110.053<span class=\"_ _e2\"> </span>356.337<span class=\"_ _5d\"> </span>15.206.217<span class=\"_ _111\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach W\u00e4hrungen<span class=\"_ _39f\"> </span>9<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>91<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>) de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Euro. A<span class=\"_ _2\"></span>uf S<span class=\"_ _2\"></span>chweizer <span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>2 %<span class=\"_ _39f\"> </span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>), <span class=\"_ _2\"></span>die re<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>5 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>0,4 %<span class=\"_ _2\"></span>) d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>volume<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>. Dab<span class=\"_ _2\"></span>ei s<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>der Ante<span class=\"_ _2\"></span>il de<span class=\"_ _2\"></span>r CH<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>im Eur<span class=\"_ _2\"></span>o<span class=\"_ _2\"></span>-W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgebie<span class=\"_ _2\"></span>t um <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>2 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f 1,7 %<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _4\"></span>4 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohne<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">8.046.554<span class=\"_ _12b\"> </span>611.761<span class=\"_ _145\"> </span>38.287<span class=\"_ _12b\"> </span>202.165<span class=\"_ _8e\"> </span>8.898.767<span class=\"_ _59\"> </span><span class=\"ff4\">60,7 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">575.750<span class=\"_ _145\"> </span>25.891<span class=\"_ _6a\"> </span>660<span class=\"_ _145\"> </span>10.630<span class=\"_ _90\"> </span>612.931<span class=\"_ _10d\"> </span></span>4,2 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">199.237<span class=\"_ _145\"> </span>19.933<span class=\"_ _d3\"> </span>912<span class=\"_ _1e3\"> </span>1.845<span class=\"_ _90\"> </span>221.926<span class=\"_ _10d\"> </span><span class=\"ff4\">1,5 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">21.958<span class=\"_ _6a\"> </span>254<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _d3\"> </span></span><span class=\"wse\">650<span class=\"_ _f4\"> </span>22.862<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">4.921<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>4.921<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _302\"> </span><span class=\"ff2\">2.182<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>3<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>2.185<span class=\"_ _10d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">433.669<span class=\"_ _145\"> </span>14.809<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>21.939<span class=\"_ _90\"> </span>485.583<span class=\"_ _10d\"> </span><span class=\"ff4\">3,3 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>8.407<span class=\"_ _10d\"> </span></span>0,1 %     CHF<span class=\"_ _303\"> </span><span class=\"wse\">229<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _1cc\"> </span></span><span class=\"wse\">1.900<span class=\"_ _99\"> </span>2.130<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.828.407<span class=\"_ _12b\"> </span>165.951<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>30.489<span class=\"_ _ee\"> </span>4.030.325<span class=\"_ _114\"> </span><span class=\"ff4\">27,5 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">264.591<span class=\"_ _99\"> </span>7.281<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>648<span class=\"_ _90\"> </span>272.520<span class=\"_ _10d\"> </span></span>1,9 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">59.700<span class=\"_ _d3\"> </span>281<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">11<span class=\"_ _145\"> </span>59.992<span class=\"_ _10d\"> </span><span class=\"ff4\">0,4 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">8.090<span class=\"_ _6a\"> </span>294<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">8.384<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">787<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>787<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.836<span class=\"_ _d3\"> </span>433<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>7<span class=\"_ _145\"> </span></span>21.276<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.466.910<span class=\"_ _e2\"> </span>855.296<span class=\"_ _13d\"> </span>60.505<span class=\"_ _97\"> </span>270.285<span class=\"_ _f\"> </span>14.652.996<span class=\"_ _df\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>Erhaltene Sicherhe<span class=\"_ _2\"></span>iten<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V g<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _3\"></span>t Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>Hy<span class=\"_ _2\"></span>poth<span class=\"_ _2\"></span>eke<span class=\"_ _2\"></span>n, Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i sc<span class=\"_ _2\"></span>hlec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kokl<span class=\"_ _2\"></span>assen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f ge<span class=\"_ _2\"></span>achte<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass m<span class=\"_ _2\"></span>it ab<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er Q<span class=\"_ _2\"></span>ual<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>rbo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>nied<span class=\"_ _2\"></span>rige<span class=\"_ _2\"></span>re B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sant<span class=\"_ _2\"></span>eil i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>dieser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>e werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>e Ku<span class=\"_ _2\"></span>nden zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t) ist a<span class=\"_ _2\"></span>uf b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s dur<span class=\"_ _2\"></span>chge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten z<span class=\"_ _2\"></span>ur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hinsi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>envere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _9c\"> </span>914.071<span class=\"_ _20\"> </span>56.582<span class=\"_ _9c\"> </span>309.707<span class=\"_ _d8\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.571.046<span class=\"_ _9c\"> </span>407.132<span class=\"_ _20\"> </span>31.354<span class=\"_ _9c\"> </span>101.709<span class=\"_ _13d\"> </span>3.111.240</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">91.661<span class=\"_ _214\"> </span>3.792<span class=\"_ _70\"> </span>104<span class=\"_ _70\"> </span>653<span class=\"_ _20\"> </span>96.210</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">826.864<span class=\"_ _20\"> </span>80.210<span class=\"_ _214\"> </span>6.499<span class=\"_ _1e6\"> </span>14.937<span class=\"_ _9c\"> </span>928.511</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>39,2 %<span class=\"_ _fe\"> </span>53,7 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,1 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>37,9 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,6 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">35.916<span class=\"_ _20\"> </span>16.015<span class=\"_ _214\"> </span>1.580<span class=\"_ _9c\"> </span>156.614<span class=\"_ _9c\"> </span>210.125<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">378.442<span class=\"_ _20\"> </span>68.682<span class=\"_ _1e6\"> </span>29.512<span class=\"_ _20\"> </span>25.422<span class=\"_ _9c\"> </span>502.059</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">57.252<span class=\"_ _1e6\"> </span>38.081<span class=\"_ _20\"> </span>19.831<span class=\"_ _20\"> </span>17.493<span class=\"_ _9c\"> </span>132.658</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">404<span class=\"_ _117\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>404</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _266\"> </span><span class=\"ff2\">677<span class=\"_ _80\"> </span>12<span class=\"_ _16e\"> </span>24<span class=\"_ _70\"> </span>200<span class=\"_ _70\"> </span>914</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>15,4 %<span class=\"_ _fe\"> </span>55,5 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,3 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>69,6 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>26,7 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _9c\"> </span>207.904<span class=\"_ _20\"> </span>23.958<span class=\"_ _20\"> </span>21.208<span class=\"_ _158\"> </span>4.516.788</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">225.694<span class=\"_ _1e6\"> </span>50.635<span class=\"_ _214\"> </span>5.095<span class=\"_ _70\"> </span>685<span class=\"_ _9c\"> </span>282.108</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">59.629<span class=\"_ _70\"> </span>448<span class=\"_ _70\"> </span>411<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _1e6\"> </span></span>60.489</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">111.551<span class=\"_ _214\"> </span>5.549<span class=\"_ _214\"> </span>2.858<span class=\"_ _3f\"> </span>1.166<span class=\"_ _9c\"> </span>121.124</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>28,1 %<span class=\"_ _fe\"> </span>86,5 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>105,6 %<span class=\"_ _fd\"> </span>13,8 %<span class=\"_ _fe\"> </span>31,0 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">22.128<span class=\"_ _214\"> </span>6.826<span class=\"_ _214\"> </span>1.917<span class=\"_ _3f\"> </span>9.639<span class=\"_ _20\"> </span>40.509<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.549.171<span class=\"_ _1e2\"> </span>1.190.657<span class=\"_ _91\"> </span>110.053<span class=\"_ _106\"> </span>356.337<span class=\"_ _ee\"> </span>15.206.217</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.853.991<span class=\"_ _91\"> </span>495.847<span class=\"_ _10d\"> </span>56.280<span class=\"_ _106\"> </span>119.887<span class=\"_ _111\"> </span>3.526.006</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">151.693<span class=\"_ _6a\"> </span>4.241<span class=\"_ _102\"> </span>515<span class=\"_ _102\"> </span>654<span class=\"_ _91\"> </span>157.104</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">939.093<span class=\"_ _13c\"> </span>85.772<span class=\"_ _d3\"> </span>9.381<span class=\"_ _13c\"> </span>16.303<span class=\"_ _111\"> </span>1.050.549</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>36,9 %<span class=\"_ _6b\"> </span>55,9 %<span class=\"_ _14b\"> </span>70,4 %<span class=\"_ _6b\"> </span>39,2 %<span class=\"_ _14b\"> </span>38,8 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">58.043<span class=\"_ _10d\"> </span>22.841<span class=\"_ _6a\"> </span>3.497<span class=\"_ _91\"> </span>166.253<span class=\"_ _106\"> </span>250.633<span class=\"_ _39f\"> </span></span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _9c\"> </span>657.840<span class=\"_ _20\"> </span>39.862<span class=\"_ _9c\"> </span>215.290<span class=\"_ _13d\"> </span>9.763.593</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.506.511<span class=\"_ _9c\"> </span>301.245<span class=\"_ _20\"> </span>19.104<span class=\"_ _20\"> </span>77.244<span class=\"_ _158\"> </span>2.904.104</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">85.177<span class=\"_ _214\"> </span>3.760<span class=\"_ _16e\"> </span>60<span class=\"_ _70\"> </span>648<span class=\"_ _20\"> </span>89.644</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">848.900<span class=\"_ _20\"> </span>74.193<span class=\"_ _214\"> </span>3.158<span class=\"_ _1e6\"> </span>13.253<span class=\"_ _9c\"> </span>939.504</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>38,9 %<span class=\"_ _fe\"> </span>57,6 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>56,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>42,3 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">34.281<span class=\"_ _214\"> </span>9.356<span class=\"_ _214\"> </span>1.861<span class=\"_ _9c\"> </span>108.892<span class=\"_ _9c\"> </span>154.389<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">433.898<span class=\"_ _20\"> </span>23.216<span class=\"_ _1e6\"> </span>15.165<span class=\"_ _20\"> </span>23.840<span class=\"_ _9c\"> </span>496.120</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">85.986<span class=\"_ _3f\"> </span>6.824<span class=\"_ _20\"> </span>12.433<span class=\"_ _20\"> </span>17.209<span class=\"_ _9c\"> </span>122.452</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">455<span class=\"_ _16e\"> </span>55<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>510</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _308\"> </span><span class=\"ff2\">2.017<span class=\"_ _16e\"> </span>42<span class=\"_ _32\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span></span>482<span class=\"_ _214\"> </span>2.542</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>20,4 %<span class=\"_ _fe\"> </span>29,8 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>82,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>74,2 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>25,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _9c\"> </span>174.240<span class=\"_ _214\"> </span>5.478<span class=\"_ _20\"> </span>31.155<span class=\"_ _158\"> </span>4.393.284</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">291.415<span class=\"_ _1e6\"> </span>14.665<span class=\"_ _214\"> </span>1.485<span class=\"_ _214\"> </span>2.045<span class=\"_ _9c\"> </span>309.611</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">19.083<span class=\"_ _70\"> </span>766<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>1<span class=\"_ _20\"> </span></span>19.850</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">122.621<span class=\"_ _214\"> </span>5.702<span class=\"_ _214\"> </span>1.265<span class=\"_ _3f\"> </span>1.323<span class=\"_ _9c\"> </span>130.911</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>32,1 %<span class=\"_ _fe\"> </span>29,0 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>117,3 %<span class=\"_ _fd\"> </span>19,1 %<span class=\"_ _fe\"> </span>31,9 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">23.327<span class=\"_ _214\"> </span>3.972<span class=\"_ _70\"> </span>267<span class=\"_ _20\"> </span>16.182<span class=\"_ _1e6\"> </span>43.748<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.466.910<span class=\"_ _106\"> </span>855.296<span class=\"_ _10d\"> </span>60.505<span class=\"_ _106\"> </span>270.285<span class=\"_ _ee\"> </span>14.652.996</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.883.913<span class=\"_ _91\"> </span>322.734<span class=\"_ _10d\"> </span>33.022<span class=\"_ _10d\"> </span>96.498<span class=\"_ _1e2\"> </span>3.336.167</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">104.715<span class=\"_ _6a\"> </span>4.581<span class=\"_ _150\"> </span>60<span class=\"_ _102\"> </span>648<span class=\"_ _91\"> </span>110.004</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">973.538<span class=\"_ _13c\"> </span>79.937<span class=\"_ _d3\"> </span>4.423<span class=\"_ _13c\"> </span>15.058<span class=\"_ _111\"> </span>1.072.956</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>37,3 %<span class=\"_ _6b\"> </span>54,0 %<span class=\"_ _14b\"> </span>65,4 %<span class=\"_ _6b\"> </span>43,7 %<span class=\"_ _14b\"> </span>38,6 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">57.608<span class=\"_ _10d\"> </span>13.328<span class=\"_ _6a\"> </span>2.128<span class=\"_ _91\"> </span>125.073<span class=\"_ _106\"> </span>198.138<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t<span class=\"_ _39f\"> </span>Die n<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>folge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mit N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hsicht<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itqua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t d<span class=\"_ _2\"></span>ar<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>t\u00e4t <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d hier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Nicht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Nicht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd not<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>d<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t zum 31<span class=\"_ _4\"></span>.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>sd. \u20ac Kreditqualit\u00e4t<span class=\"_ _148\"> </span><span class=\"ls4c ws4f\">We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>e<span class=\"_ _39f\"> </span></span>Ohne erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und nicht notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _81\"> </span><span class=\"ff2\">72.273<span class=\"_ _f4\"> </span>93.900<span class=\"_ _145\"> </span>14.047<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>180.220<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _271\"> </span><span class=\"ff2 lse wse\">1.656<span class=\"_ _99\"> </span>1.114<span class=\"_ _6a\"> </span>104<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.874<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _230\"> </span><span class=\"ff2\">34.633<span class=\"_ _145\"> </span>70.392<span class=\"_ _145\"> </span>12.258<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _90\"> </span></span>117.283<span class=\"_ _39f\"> </span></span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">6.927<span class=\"_ _99\"> </span>6.927<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.948<span class=\"_ _99\"> </span>4.948<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigt <span class=\"_ _2\"></span>und notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">13.216<span class=\"_ _f4\"> </span>13.216<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span><span class=\"lse wse\">5.184 <span class=\"_ _12c\"> </span>5.184<span class=\"_ _39f\"> </span></span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.352<span class=\"_ _99\"> </span>4.352<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _30a\"> </span>Gesamtausn\u00fctzung<span class=\"_ _121\"> </span>72.273<span class=\"_ _13d\"> </span>93.900<span class=\"_ _13d\"> </span>14.047<span class=\"_ _13d\"> </span>20.143<span class=\"_ _97\"> </span>200.363<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _4\"></span>vorsorge<span class=\"_ _2bc\"> </span>1.656<span class=\"_ _122\"> </span>1.114<span class=\"_ _fe\"> </span>104<span class=\"_ _122\"> </span>5.184<span class=\"_ _192\"> </span>8.058<span class=\"_ _39f\"> </span>Sicherheiten<span class=\"_ _166\"> </span>34.633<span class=\"_ _13d\"> </span>70.392<span class=\"_ _158\"> </span>12.258<span class=\"_ _192\"> </span>9.300<span class=\"_ _97\"> </span>126.583<span class=\"_ _39f\"> </span>Zudem <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d je K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditqu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>\u00e4t d<span class=\"_ _2\"></span>arg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, wie <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>l R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>und w<span class=\"_ _2\"></span>ie ho<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei den <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ten R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9 Stag<span class=\"_ _2\"></span>e 1 und 2<span class=\"_ _3\"></span>. Di<span class=\"_ _2\"></span>e in d<span class=\"_ _2\"></span>er K<span class=\"_ _3\"></span>ategor<span class=\"_ _2\"></span>ie <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Not<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>\u201c a<span class=\"_ _2\"></span>ngezeig<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>. Das Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kovolumen <span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>uzier<span class=\"_ _3\"></span>te sic<span class=\"_ _2\"></span>h in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>\u201c (<span class=\"_ _9\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _9\"></span>1 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und <span class=\"_ _2\"></span>\u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t und n<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>\u22121<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>em Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>hinge<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>das Volumen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i \u201e<span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>cht we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und ni<span class=\"_ _2\"></span>cht notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>\u201c (<span class=\"_ _9\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>,4 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t zum 31<span class=\"_ _4\"></span>.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Kreditqualit\u00e4t<span class=\"_ _148\"> </span><span class=\"ls4c ws4f\">We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span></span>Ohne erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und nicht notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _17a\"> </span><span class=\"ff2\">119.290<span class=\"_ _f4\"> </span>38.209<span class=\"_ _145\"> </span>10.348<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>167.847<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _271\"> </span><span class=\"ff2 lse wse\">1.214<span class=\"_ _d3\"> </span>289<span class=\"_ _6a\"> </span>495<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>1.998<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _230\"> </span><span class=\"ff2\">73.901<span class=\"_ _145\"> </span>24.779<span class=\"_ _99\"> </span>5.404<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>104.084<span class=\"_ _39f\"> </span></span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.047<span class=\"_ _99\"> </span>7.047<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.030<span class=\"_ _99\"> </span>7.030<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigt <span class=\"_ _2\"></span>und notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">14.475<span class=\"_ _f4\"> </span>14.475<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span><span class=\"lse wse\">6.587<span class=\"_ _99\"> </span>6.587<span class=\"_ _39f\"> </span></span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.779<span class=\"_ _99\"> </span>4.779<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _b4\"> </span>G<span class=\"_ _2\"></span>esamtausn\u00fctzung<span class=\"_ _6e\"> </span>119.290<span class=\"_ _13d\"> </span>38.209<span class=\"_ _13d\"> </span>10.348<span class=\"_ _13d\"> </span>21.522<span class=\"_ _97\"> </span>189.369<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _4\"></span>vorsorge<span class=\"_ _2bc\"> </span>1.214<span class=\"_ _fe\"> </span>289<span class=\"_ _fe\"> </span>495<span class=\"_ _122\"> </span>6.587<span class=\"_ _122\"> </span>8.585<span class=\"_ _39f\"> </span>Sicherheiten<span class=\"_ _166\"> </span>73.901<span class=\"_ _13d\"> </span>24.779<span class=\"_ _122\"> </span>5.404<span class=\"_ _13d\"> </span>11.810<span class=\"_ _97\"> </span>115.894<span class=\"_ _39f\"> </span>Kre<span class=\"_ _2\"></span>ditkonzentra<span class=\"_ _2\"></span>tionsrisiko<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditkon<span class=\"_ _2\"></span>zentr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>volum<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>isiko a<span class=\"_ _2\"></span>us Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n und d<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ilgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger<span class=\"_ _2\"></span>n zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siko au<span class=\"_ _2\"></span>s hoh<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>vol<span class=\"_ _2\"></span>umina <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>IR<span class=\"_ _2\"></span>B Gr<span class=\"_ _2\"></span>anula<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>y Ad<span class=\"_ _2\"></span>just<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P in<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>ten s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ilgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ger<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in F<span class=\"_ _2\"></span>orm <span class=\"_ _2\"></span>von Str<span class=\"_ _2\"></span>ess<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>ezug <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken a<span class=\"_ _2\"></span>us k<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikomin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>chni<span class=\"_ _2\"></span>ken s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kokonzent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tion<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>ysen<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r dies<span class=\"_ _2\"></span>e Zwecke wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Stres<span class=\"_ _2\"></span>stes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hfo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>eilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios durchgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Bauwesen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Maschinenbau<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Automotive<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche T<span class=\"_ _4\"></span>ourismusbe<span class=\"_ _2\"></span>triebe<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bra<span class=\"_ _2\"></span>nche <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fc<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugu<span class=\"_ _2\"></span>ng<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">W<span class=\"_ _4\"></span>ohnbaukredite<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Fremdw\u00e4hrungskredite<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gro\u00dfpos<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>&gt; 4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>Mio. \u20ac<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsb wsb\">W<span class=\"_ _4\"></span>ohnimmobiliensicher<span class=\"_ _2\"></span>heiten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Gewerbeimmo<span class=\"_ _2\"></span>biliensicher<span class=\"_ _2\"></span>heiten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio <span class=\"_ _2\"></span>Colle<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Stag<span class=\"_ _2\"></span>ing<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio <span class=\"_ _2\"></span>Bau<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger <span class=\"_ _2\"></span>mit O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Immobilienpr<span class=\"_ _2\"></span>ojek<span class=\"_ _2\"></span>te </span>Hie<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>im P<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>fer <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos a<span class=\"_ _2\"></span>uf Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne ba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>t vor alle<span class=\"_ _2\"></span>m auf in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>, Gr\u00f6<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>klas<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>, Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, W\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en und L<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. N<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n der R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung st<span class=\"_ _2\"></span>ellt d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>ssy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>m und hie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ei vor all<span class=\"_ _2\"></span>em de<span class=\"_ _2\"></span>r quar<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lte K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikobe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V ein ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>s Steue<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger d<span class=\"_ _2\"></span>ar<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Bete<span class=\"_ _2\"></span>iligung<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Zur Qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>sikos ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V den I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>D<span class=\"_ _9\"></span>/LGD<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>. Wi<span class=\"_ _2\"></span>e im Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ste<span class=\"_ _2\"></span>llt die Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, die aus ba<span class=\"_ _2\"></span>nkin<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t wird<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n zentr<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>en Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r f\u00fcr d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Immobilie<span class=\"_ _2\"></span>nrisiko<span class=\"_ _39f\"> </span>Das P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>nnt f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>ohn<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eimm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd da<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>r Prei<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>am I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ne B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko in d<span class=\"_ _2\"></span>er Risikotrag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4higkeit angeset<span class=\"_ _2\"></span>zt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Mark<span class=\"_ _3\"></span>trisiko<span class=\"_ _39f\"> </span>Die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>al i<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al Ma<span class=\"_ _2\"></span>rke<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>nom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>zu sowohl d<span class=\"_ _2\"></span>ie pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>disc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>als a<span class=\"_ _2\"></span>uch d<span class=\"_ _2\"></span>ie su<span class=\"_ _2\"></span>bst<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>assiv<span class=\"_ _2\"></span>-Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>le Neb<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S u<span class=\"_ _2\"></span>nd U<span class=\"_ _2\"></span>GB <span class=\"_ _2\"></span>sowie der aufsichtsrechtlichen Bestimmun<span class=\"_ _9\"></span>gen ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zu de<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ma\u00dfnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n von B<span class=\"_ _2\"></span>indu<span class=\"_ _2\"></span>ngsin<span class=\"_ _2\"></span>kongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Auss<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>as lauf<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Mo<span class=\"_ _2\"></span>nitor<span class=\"_ _2\"></span>ing d<span class=\"_ _2\"></span>er Cr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>eads <span class=\"_ _2\"></span>im Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tro, <span class=\"_ _2\"></span>die Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t von <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehunge<span class=\"_ _2\"></span>n, die T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>niskomp<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>eiss<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tems <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>die Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00e4higkeit<span class=\"_ _2\"></span>. Zum Zweck de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>essung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amtb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>en Value <span class=\"_ _2\"></span>at R<span class=\"_ _2\"></span>isk f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Zi<span class=\"_ _2\"></span>ns-<span class=\"_ _2\"></span>, Fre<span class=\"_ _2\"></span>md<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tien<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und C<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t-Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>s Liq<span class=\"_ _2\"></span>uidat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nfid<span class=\"_ _2\"></span>enzni<span class=\"_ _2\"></span>veaus <span class=\"_ _2\"></span>von <span class=\"ff2 ls2 ws1\"> </span>99,9 <span class=\"_ _2\"></span>% un<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>teda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>von 25<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen<span class=\"_ _2\"></span>. Der <span class=\"_ _2\"></span>Value at R<span class=\"_ _2\"></span>isk <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>VaR) ist <span class=\"_ _2\"></span>dab<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Wahrsch<span class=\"_ _2\"></span>einlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum ni<span class=\"_ _2\"></span>cht \u00fcber<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ten w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Value a<span class=\"_ _2\"></span>t R<span class=\"_ _2\"></span>isk w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Simul<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ba<span class=\"_ _2\"></span>sis f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>pa<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r sin<span class=\"_ _2\"></span>d his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Zei<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ihen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en v<span class=\"_ _2\"></span>ier <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re. <span class=\"_ _2\"></span>Di<span class=\"_ _2\"></span>versi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>te z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nzelne<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>lasse<span class=\"_ _2\"></span>n sind b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s im<span class=\"_ _2\"></span>plizit <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>hist<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>und we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>at a<span class=\"_ _2\"></span>usgewi<span class=\"_ _2\"></span>esen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as VaR-<span class=\"_ _2\"></span>Mo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>l\u00e4ss<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z wi<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t skiz<span class=\"_ _2\"></span>zieren:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Defin<span class=\"_ _2\"></span>ition <span class=\"_ _2\"></span>von R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en je <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zuweisung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>duk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bes<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nhan<span class=\"_ _2\"></span>d his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htunge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Simulat<span class=\"_ _2\"></span>ion von <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikof<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>asie<span class=\"_ _2\"></span>rend <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Neub<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Posi<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn un<span class=\"_ _2\"></span>d Verlus<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bes<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>VaR-<span class=\"_ _2\"></span>Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ils, <span class=\"_ _2\"></span>basi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ewinn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>bzw. Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikos w<span class=\"_ _2\"></span>ird m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>de T<span class=\"_ _9\"></span>abell<span class=\"_ _2\"></span>e zeig<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>s Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikos im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P:<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _9\"></span>art <span class=\"_ _2\"></span><span class=\"ls2 ws1\"> </span>in Mio. \u20ac<span class=\"_ _30b\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _13e\"> </span>D<span class=\"_ _2\"></span>urchschnitt<span class=\"_ _cf\"> </span>Minimum<span class=\"_ _f0\"> </span>Maximum<span class=\"_ _b\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _30c\"> </span>202,7<span class=\"_ _6b\"> </span>175,1<span class=\"_ _6b\"> </span>138,7<span class=\"_ _6b\"> </span>213,1<span class=\"_ _1ca\"> </span>140,0<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _16b\"> </span>74,0<span class=\"_ _11b\"> </span>65,0<span class=\"_ _11b\"> </span>50,9<span class=\"_ _9d\"> </span>76,7<span class=\"_ _9d\"> </span>69,9<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _213\"> </span>6,8<span class=\"_ _11b\"> </span>13,7<span class=\"_ _116\"> </span>6,8<span class=\"_ _11b\"> </span>21,4<span class=\"_ _d3\"> </span>21,3<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _160\"> </span>27,3<span class=\"_ _11b\"> </span>20,8<span class=\"_ _11b\"> </span>14,8<span class=\"_ _11b\"> </span>27,3<span class=\"_ _d3\"> </span>14,8<span class=\"_ _39f\"> </span>Diversifikation<span class=\"_ _54\"> </span>\u2212103,7<span class=\"_ _93\"> </span>\u221292,1<span class=\"_ _192\"> </span>\u2212103,7<span class=\"_ _93\"> </span>\u221277,2<span class=\"_ _1ca\"> </span>\u221282,8<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _207\"> </span>207,0<span class=\"_ _9a\"> </span>182,5<span class=\"_ _9a\"> </span>145,8<span class=\"_ _9a\"> </span>218,0<span class=\"_ _99\"> </span>163,2<span class=\"_ _39f\"> </span>Zinsrisiko<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P wi<span class=\"_ _2\"></span>rd d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikopot<span class=\"_ _2\"></span>enzia<span class=\"_ _2\"></span>l aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>VaR-<span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>d som<span class=\"_ _2\"></span>it li<span class=\"_ _2\"></span>mitie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t das <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>spor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lio d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>zinsi<span class=\"_ _2\"></span>nduzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>a un<span class=\"_ _2\"></span>d Pa<span class=\"_ _2\"></span>ssiv<span class=\"_ _2\"></span>a sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>iven Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sbind<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ner zeitl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ab<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur (Z<span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>indung<span class=\"_ _2\"></span>sbil<span class=\"_ _2\"></span>anz) zusamm<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Mess<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>sikos au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mtba<span class=\"_ _2\"></span>nkebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>t monatlich stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>insbin<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>sga<span class=\"_ _2\"></span>ps im <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>h je <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Zinsbindu<span class=\"_ _9\"></span>ngsgaps im Bankbuch <span class=\"_ _2\"></span>je W\u00e4hrung per 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in Mio. \u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _c6\"> </span><span class=\"ws1\">1 \u2013 2 Jahre<span class=\"_ _8e\"> </span>2 \u2013 3 Jahre<span class=\"_ _8e\"> </span>3 \u2013 5 Jahre<span class=\"_ _ee\"> </span>5 \u2013 7 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f6\"> </span>7 \u2013 10 Jahre<span class=\"_ _127\"> </span><span class=\"ls2\">&gt; 10 Jahre<span class=\"_ _39f\"> </span></span></span>EUR<span class=\"_ _302\"> </span><span class=\"ff4 lse wse\">17,1<span class=\"_ _9a\"> </span>\u2212127,4<span class=\"_ _fd\"> </span>207,2<span class=\"_ _fd\"> </span>280,5<span class=\"_ _183\"> </span>\u22126,5<span class=\"_ _183\"> </span>46,0<span class=\"_ _39f\"> </span></span>CHF<span class=\"_ _24d\"> </span><span class=\"ff4\">25,9<span class=\"_ _6d\"> </span>23,8<span class=\"_ _6d\"> </span>59,6<span class=\"_ _6d\"> </span>10,0<span class=\"_ _6d\"> </span>10,3<span class=\"_ _70\"> </span>5,0<span class=\"_ _39f\"> </span></span>USD<span class=\"_ _30d\"> </span><span class=\"ff4\">20,9<span class=\"_ _119\"> </span>\u22120,9<span class=\"_ _119\"> </span>\u22120,4<span class=\"_ _119\"> </span>\u22120,4<span class=\"_ _119\"> </span>\u22120,5<span class=\"_ _119\"> </span>\u22121,0<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _266\"> </span>63,9<span class=\"_ _12c\"> </span><span class=\"ff6f9\">\u2212104,5<span class=\"_ _20\"> </span></span>266,4<span class=\"_ _57\"> </span>290,2<span class=\"_ _102\"> </span>3,3<span class=\"_ _214\"> </span>50,0<span class=\"_ _39f\"> </span>Zinsbindu<span class=\"_ _9\"></span>ngsgaps im Bankbuch <span class=\"_ _2\"></span>je W\u00e4hrung per 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in Mio. \u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _c6\"> </span><span class=\"ws1\">1 \u2013 2 Jahre<span class=\"_ _8e\"> </span>2 \u2013 3 Jahre<span class=\"_ _8e\"> </span>3 \u2013 5 Jahre<span class=\"_ _ee\"> </span>5 \u2013 7 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f6\"> </span>7 \u2013 10 Jahre<span class=\"_ _127\"> </span><span class=\"ls2\">&gt; 10 Jahre<span class=\"_ _39f\"> </span></span></span>EUR<span class=\"_ _302\"> </span><span class=\"ff4 lse wse\">15,7<span class=\"_ _fd\"> </span>170,5<span class=\"_ _fd\"> </span>\u221236,9<span class=\"_ _fd\"> </span>177,3<span class=\"_ _fd\"> </span>102,8<span class=\"_ _183\"> </span>98,6<span class=\"_ _39f\"> </span></span>CHF<span class=\"_ _24d\"> </span><span class=\"ff4\">38,0<span class=\"_ _6d\"> </span>19,5<span class=\"_ _6d\"> </span>50,9<span class=\"_ _70\"> </span>9,4<span class=\"_ _70\"> </span>3,7<span class=\"_ _95\"> </span>0,0<span class=\"_ _39f\"> </span></span>USD<span class=\"_ _190\"> </span><span class=\"ff4\">9,9<span class=\"_ _183\"> </span>\u22123,7<span class=\"_ _119\"> </span>\u22120,2<span class=\"_ _119\"> </span>\u22123,0<span class=\"_ _70\"> </span>0,0<span class=\"_ _70\"> </span>0,0<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _266\"> </span>63,6<span class=\"_ _57\"> </span>186,4<span class=\"_ _214\"> </span>13,9<span class=\"_ _57\"> </span>183,6<span class=\"_ _57\"> </span>106,5<span class=\"_ _3f\"> </span>98,6<span class=\"_ _39f\"> </span>Credit-Spre<span class=\"_ _2\"></span>ad-<span class=\"_ _3\"></span>Risiko<span class=\"_ _39f\"> </span>Das Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>o \u00fcbe<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>n hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Value<span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>k-A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>tz <span class=\"_ _2\"></span>qua<span class=\"_ _2\"></span>ntifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit S<span class=\"_ _2\"></span>prea<span class=\"_ _2\"></span>ds e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>dite <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>ndite <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r r<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>en Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve. D<span class=\"_ _2\"></span>ie Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>dite <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dabe<span class=\"_ _2\"></span>i au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Rend<span class=\"_ _2\"></span>itek<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve des <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Rendi<span class=\"_ _2\"></span>tek<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>von A<span class=\"_ _2\"></span>nleih<span class=\"_ _2\"></span>en mit g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>mse<span class=\"_ _2\"></span>lben <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>sek<span class=\"_ _3\"></span>tor e<span class=\"_ _2\"></span>ntno<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kofr<span class=\"_ _2\"></span>eie Z<span class=\"_ _2\"></span>ins <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>nig<span class=\"_ _2\"></span>ht-<span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>dex-Swa<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve abgeleitet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Ans<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>gs <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds um <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>asisp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e aufgeschl\u00fcsselt nac<span class=\"_ _2\"></span>h Bilanzkategorien d<span class=\"_ _2\"></span>argestellt<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Credit-Spread-Risik<span class=\"_ _4\"></span>o in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _27d\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _ef\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>Zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _2\"></span>tete finanzielle Verm\u00f6genswerte<span class=\"_ _21f\"> </span>\u2212436,2<span class=\"_ _9a\"> </span>\u2212267,8<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgswirksam <span class=\"_ _2\"></span>zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewertete finanzielle <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _30e\"> </span>\u221212,1<span class=\"_ _fe\"> </span>\u221213,6<span class=\"_ _39f\"> </span>Im sonstigen Ergebnis a<span class=\"_ _2\"></span>usgewiesene zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete finanzielle Verm\u00f6genswerte<span class=\"_ _102\"> </span>\u221285,2<span class=\"_ _d4\"> </span>\u221283,4<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _30f\"> </span><span class=\"ff6f9\">\u2212533,5<span class=\"_ _113\"> </span>\u2212364,8<span class=\"_ _39f\"> </span></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienkur<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ursr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t mi<span class=\"_ _2\"></span>thilf<span class=\"_ _2\"></span>e e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Value<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nzelt<span class=\"_ _2\"></span>itel dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ursh<span class=\"_ _2\"></span>isto<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Messu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tien<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>mona<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremdw\u00e4h<span class=\"_ _2\"></span>rungsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V is<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>reb<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>enp<span class=\"_ _2\"></span>ositio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>m\u00f6gl<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>szugl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP <span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r pos<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>ven B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dw\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng au<span class=\"_ _2\"></span>f. Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sikos e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>alls <span class=\"_ _2\"></span>anha<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Value<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes<span class=\"_ _2\"></span>. Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ansch<span class=\"_ _2\"></span>aulic<span class=\"_ _2\"></span>ht di<span class=\"_ _2\"></span>e gr<span class=\"_ _2\"></span>\u00f6\u00dften o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>evise<span class=\"_ _2\"></span>npos<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum Vorjahr<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Offen<span class=\"_ _2\"></span>e Devisenposition in T<span class=\"_ _10\"></span>sd. \u20ac<span class=\"_ _310\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _ef\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>Schweiz<span class=\"_ _9\"></span>er Franken (CHF)<span class=\"_ _1fb\"> </span><span class=\"ff2\">2.607<span class=\"_ _fd\"> </span>3.852<span class=\"_ _39f\"> </span></span>US-Dollar (USD)<span class=\"_ _311\"> </span><span class=\"ff2\">1.926<span class=\"_ _fd\"> </span>2.039<span class=\"_ _39f\"> </span></span>Pfund Sterling (GB<span class=\"_ _2\"></span>P)<span class=\"_ _312\"> </span><span class=\"ff2\">226<span class=\"_ _148\"> </span>12<span class=\"_ _39f\"> </span></span>Zloty <span class=\"_ _2\"></span>(PLN)<span class=\"_ _313\"> </span><span class=\"ff2\">109<span class=\"_ _116\"> </span>297<span class=\"_ _39f\"> </span></span>Kanadischer <span class=\"_ _2\"></span>Dollar (CAD)<span class=\"_ _23a\"> </span><span class=\"ff2\">90<span class=\"_ _fd\"> </span>3.399<span class=\"_ _39f\"> </span></span>Refinanzier<span class=\"_ _2\"></span>ungsr<span class=\"_ _2\"></span>isiko im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP<span class=\"_ _39f\"> </span>Zur Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ngsb<span class=\"_ _2\"></span>ilanz <span class=\"_ _2\"></span>bzw. Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>bil<span class=\"_ _2\"></span>anz e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>abl<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>bilanz <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Li<span class=\"_ _2\"></span>quidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sg<span class=\"_ _2\"></span>aps e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nom<span class=\"_ _2\"></span>mene <span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fris<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>for<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>on un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>aus E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sgesic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>usst <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>en Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>teni<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sab<span class=\"_ _2\"></span>lauf<span class=\"_ _3\"></span>bila<span class=\"_ _2\"></span>nz werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Einza<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vsei<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>usza<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Pa<span class=\"_ _2\"></span>ssivs<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nz ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese Ei<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ausz<span class=\"_ _2\"></span>ahlunge<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>hin <span class=\"_ _2\"></span>in L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itb<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r zei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h geg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siko im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP w<span class=\"_ _2\"></span>ird q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie Sum<span class=\"_ _2\"></span>me<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der Ver<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Refi<span class=\"_ _2\"></span>nanzi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>essb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Err<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>r </span>(<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>nhan<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>iel<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>SF<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>o<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der Ver<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Refi<span class=\"_ _2\"></span>nanzi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>essb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Rollie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sga<span class=\"_ _2\"></span>ps um e<span class=\"_ _2\"></span>in J<span class=\"_ _2\"></span>ahr.<span class=\"_ _39f\"> </span></span>Die Str<span class=\"_ _2\"></span>essbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos als ei<span class=\"_ _2\"></span>ne Aus<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>ung der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V-spe<span class=\"_ _2\"></span>zifi<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sche<span class=\"_ _2\"></span>n Cred<span class=\"_ _2\"></span>it Spr<span class=\"_ _2\"></span>eads d<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wobe<span class=\"_ _2\"></span>i die Aus<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>ung aus e<span class=\"_ _2\"></span>iner K<span class=\"_ _2\"></span>ombin<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n (Aggr<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on<span class=\"_ _9\"></span>) aus der Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ads<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>weitu<span class=\"_ _2\"></span>ng auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Downg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ades (<span class=\"_ _2\"></span>Bon<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>) und jen<span class=\"_ _2\"></span>er au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>er Verschl<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ung des a<span class=\"_ _2\"></span>llgem<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>umfe<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>s resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>ise (K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n f\u00fcr E<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ichu<span class=\"_ _2\"></span>ng Ziel<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Refina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur un<span class=\"_ _2\"></span>d Rollie<span class=\"_ _2\"></span>rung von L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sg<span class=\"_ _2\"></span>aps um ein J<span class=\"_ _2\"></span>ahr) lieg<span class=\"_ _3\"></span>t die Ann<span class=\"_ _2\"></span>ahme z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>, dass d<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sposi<span class=\"_ _2\"></span>tioni<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung nach E<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur bewu<span class=\"_ _2\"></span>sst e<span class=\"_ _2\"></span>ingeg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, um au<span class=\"_ _2\"></span>s Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sgesi<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>spu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Funk<span class=\"_ _3\"></span>tion d<span class=\"_ _2\"></span>er Fr<span class=\"_ _2\"></span>iste<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion zu \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko aus dem Gesch\u00e4f<span class=\"_ _3\"></span>tsmodell<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>re W<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ein<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>oten<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ziell<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Ein<span class=\"_ _2\"></span>fluss <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese s<span class=\"_ _2\"></span>ind Wet<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>werb, <span class=\"_ _2\"></span>Subs<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>utio<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Regul<span class=\"_ _2\"></span>ator<span class=\"_ _2\"></span>ik und Re<span class=\"_ _2\"></span>cht s<span class=\"_ _2\"></span>owie N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hf<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>e. I<span class=\"_ _2\"></span>m Zug<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>onte<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ca<span class=\"_ _2\"></span>rlo<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Sim<span class=\"_ _2\"></span>ulati<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Ei<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>h\u00f6he <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isse s<span class=\"_ _2\"></span>imulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>in p<span class=\"_ _2\"></span>otenzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Oper<span class=\"_ _2\"></span>ationelles Risiko<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wu<span class=\"_ _2\"></span>rde e<span class=\"_ _2\"></span>in R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>ntpr<span class=\"_ _2\"></span>ozess ent<span class=\"_ _3\"></span>wicke<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sowohl q<span class=\"_ _2\"></span>uali<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive al<span class=\"_ _2\"></span>s auc<span class=\"_ _2\"></span>h qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>oden <span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. F\u00fcr be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>eten<span class=\"_ _2\"></span>e Sc<span class=\"_ _2\"></span>h\u00e4de<span class=\"_ _2\"></span>n ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne S<span class=\"_ _2\"></span>chad<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>bank<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r al<span class=\"_ _2\"></span>le Sc<span class=\"_ _2\"></span>had<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>h Anal<span class=\"_ _2\"></span>yse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sch\u00e4<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ma\u00dfna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>m das <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige Verlus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>zu min<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. Er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird diese<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um die <span class=\"_ _2\"></span>Dur<span class=\"_ _2\"></span>chf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>soge<span class=\"_ _2\"></span>nann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Self-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>ssme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isiko, b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n all<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>und rele<span class=\"_ _2\"></span>vant<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Prozesse <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>m\u00f6gl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>suc<span class=\"_ _2\"></span>ht wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in For<span class=\"_ _2\"></span>m von I<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>iews e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd an<span class=\"_ _2\"></span>schli<span class=\"_ _2\"></span>e\u00dfe<span class=\"_ _2\"></span>nd \u2013 <span class=\"_ _2\"></span>soweit <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>\u2013 inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>e Pr<span class=\"_ _2\"></span>ozesse und <span class=\"_ _2\"></span>Syste<span class=\"_ _2\"></span>me ang<span class=\"_ _2\"></span>epa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. Im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss D<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>rib<span class=\"_ _2\"></span>utio<span class=\"_ _2\"></span>n Ap<span class=\"_ _2\"></span>proa<span class=\"_ _2\"></span>ch \u2013 <span class=\"_ _2\"></span>LDA<span class=\"_ _4\"></span>\u201c) <span class=\"_ _2\"></span>zur Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>atio<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nell<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>a\u00df, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird, <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r une<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlus<span class=\"_ _2\"></span>t \u00fcb<span class=\"_ _2\"></span>er eine<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>thor<span class=\"_ _2\"></span>izont <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>da <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V den <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>t dur<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>re in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>angem<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Anh<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>une<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st a<span class=\"_ _2\"></span>us d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>99,<span class=\"_ _2\"></span>9 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>til u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t unte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>digm<span class=\"_ _2\"></span>a ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>robus<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, h<span class=\"_ _2\"></span>inre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>bile<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kosens<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d ri<span class=\"_ _2\"></span>sikokons<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vat<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>, welch<span class=\"_ _2\"></span>e auc<span class=\"_ _2\"></span>h se<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. noch <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>e Verlust<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. Ex<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isse b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>azu kom<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>m Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>emwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>eor<span class=\"_ _2\"></span>ie zu<span class=\"_ _2\"></span>m Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung der <span class=\"_ _2\"></span>hist<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk-S<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>dens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>20<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>5.<span class=\"_ _39f\"> </span>Steuerung des operationellen Risikos<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _3\"></span>vors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Op<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-Str<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egie <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ich un<span class=\"_ _2\"></span>d tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>komanag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt und s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>Man<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt d<span class=\"_ _2\"></span>es o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikos in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. Das T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>am Gover<span class=\"_ _2\"></span>nan<span class=\"_ _2\"></span>ce &amp; Ri<span class=\"_ _2\"></span>sk Man<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s org<span class=\"_ _2\"></span>ani<span class=\"_ _2\"></span>sato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ch dem B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, ist e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s f\u00fcr d<span class=\"_ _2\"></span>ie sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche I<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n oper<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>ller R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>ken im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des j<span class=\"_ _2\"></span>\u00e4hrl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Sel<span class=\"_ _2\"></span>f-<span class=\"_ _2\"></span>Ass<span class=\"_ _2\"></span>essme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und an<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr die Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung und \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r durch d<span class=\"_ _2\"></span>ie Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>mel<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>aden<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>lle und d<span class=\"_ _2\"></span>as dami<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>bunde<span class=\"_ _2\"></span>ne B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wesen im Zusam<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>hang mit d<span class=\"_ _2\"></span>er Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung der o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen S<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>dens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h. D<span class=\"_ _2\"></span>ie An<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e der e<span class=\"_ _2\"></span>inzelne<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hade<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle sowie von Au<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en hins<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich de<span class=\"_ _2\"></span>r Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>s ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Risi<span class=\"_ _2\"></span>kos wird in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>urch d<span class=\"_ _2\"></span>en Op<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n geme<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>am mit de<span class=\"_ _2\"></span>m Prozess<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _3\"></span>wor<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n wahr<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. Gem<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>am werd<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>isikomi<span class=\"_ _2\"></span>nimie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>de Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n fes<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>ren U<span class=\"_ _2\"></span>mset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung im Ans<span class=\"_ _2\"></span>chlus<span class=\"_ _2\"></span>s durch d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk-V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V is<span class=\"_ _2\"></span>t ein O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk- und I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Ko<span class=\"_ _2\"></span>mite<span class=\"_ _2\"></span>e einge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es sich a<span class=\"_ _2\"></span>us z<span class=\"_ _2\"></span>wei Vorst<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n (Chief Ri<span class=\"_ _2\"></span>sk O<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span>cer un<span class=\"_ _2\"></span>d Chie<span class=\"_ _2\"></span>f Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ting Of<span class=\"_ _3\"></span>fic<span class=\"_ _2\"></span>er) und den B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>slei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n f\u00fc<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ion &amp; I<span class=\"_ _2\"></span>T<span class=\"_ _9\"></span>, Konzer<span class=\"_ _2\"></span>nre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n &amp; -<span class=\"_ _2\"></span>cont<span class=\"_ _2\"></span>rolli<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, R<span class=\"_ _2\"></span>isk Ma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment u<span class=\"_ _2\"></span>nd Pro<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>, Prozess<span class=\"_ _2\"></span>- &amp; Innov<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment z<span class=\"_ _2\"></span>usamm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n diese<span class=\"_ _2\"></span>m Komi<span class=\"_ _2\"></span>tee we<span class=\"_ _2\"></span>rden we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Op<span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>k-<span class=\"_ _2\"></span>Ere<span class=\"_ _2\"></span>igniss<span class=\"_ _2\"></span>e bes<span class=\"_ _2\"></span>proc<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d Fes<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r Steue<span class=\"_ _2\"></span>rung von o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n. Eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s wird di<span class=\"_ _2\"></span>e Umse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>urch d<span class=\"_ _2\"></span>ie Zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n f\u00fcr d<span class=\"_ _2\"></span>as I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S und O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk im T<span class=\"_ _9\"></span>eam Gove<span class=\"_ _2\"></span>r-<span class=\"_ _39f\"> </span>nance &amp; R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V Syne<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ien de<span class=\"_ _2\"></span>s IK<span class=\"_ _3\"></span>S (In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n zur Ri<span class=\"_ _2\"></span>siko<span class=\"_ _2\"></span>- und K<span class=\"_ _2\"></span>ontr<span class=\"_ _2\"></span>ollsi<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion) und OpR<span class=\"_ _2\"></span>isk (In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n aus de<span class=\"_ _2\"></span>r Scha<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse) im Rahme<span class=\"_ _2\"></span>n der R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _2\"></span>rken<span class=\"_ _2\"></span>nung ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstige und nicht quantifizierbare Risiken<span class=\"_ _39f\"> </span>F\u00fcr so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige un<span class=\"_ _2\"></span>d nic<span class=\"_ _2\"></span>ht qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>re R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd ei<span class=\"_ _2\"></span>n Pu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Zu di<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>das sys<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>misch<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isiko. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>as F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzs<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tem e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>baut <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem Abwic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lan f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V au<span class=\"_ _2\"></span>f.<span class=\"_ _39f\"> </span>Konzentr<span class=\"_ _2\"></span>ationsr<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er \u00f6<span class=\"_ _2\"></span>konomi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>VaR-M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle bz<span class=\"_ _2\"></span>w. alte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Mess<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>gebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assen <span class=\"_ _2\"></span>s\u00e4m<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hposi<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>die qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikoar<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>summie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass ke<span class=\"_ _2\"></span>ine D<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>sef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. K<span class=\"_ _2\"></span>onzen<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siken z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>koar<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>(I<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) wer<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n som<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoag<span class=\"_ _3\"></span>gr<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on ko<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikokonze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n (I<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isikokon<span class=\"_ _2\"></span>zentr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von St<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>net <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tres<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higk<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>limi<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>kennt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n abgeleitet<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>g V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahren zur M<span class=\"_ _9\"></span>essung der Risik<span class=\"_ _4\"></span>en im I<span class=\"_ _2\"></span>LAAP<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>st f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>z- bi<span class=\"_ _2\"></span>s mit<span class=\"_ _3\"></span>telf<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>ant<span class=\"_ _3\"></span>wor<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>. O<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>s Ziel <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>disp<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>ven L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tss<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung is<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>rha<span class=\"_ _2\"></span>ltung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>die nach<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>ige Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllung d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie d<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Schl\u00fc<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>selin<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>ator<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Pr<span class=\"_ _2\"></span>im\u00e4<span class=\"_ _2\"></span>re Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s ku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>z- bis m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikoma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>es, <span class=\"_ _2\"></span>die d<span class=\"_ _2\"></span>ispos<span class=\"_ _2\"></span>itive <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>i<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>zu id<span class=\"_ _2\"></span>enti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>und z<span class=\"_ _2\"></span>u s<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>ewin<span class=\"_ _2\"></span>nung von <span class=\"_ _2\"></span>neu<span class=\"_ _2\"></span>en G<span class=\"_ _2\"></span>eld<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elsp<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ner<span class=\"_ _2\"></span>n (B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>utio<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>e Kund<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) sowi<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>Scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>angem<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>eier <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>en<span class=\"_ _2\"></span>der- und Re<span class=\"_ _2\"></span>po<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Refin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>spot<span class=\"_ _2\"></span>enzia<span class=\"_ _2\"></span>le im <span class=\"_ _2\"></span>Ra<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Mana<span class=\"_ _2\"></span>geme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s des Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>Eige<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>s wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r \u00fcbe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>eord<span class=\"_ _2\"></span>nete<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ielse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ew<span class=\"_ _2\"></span>\u00e4hrl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lungs<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t Rechn<span class=\"_ _2\"></span>ung ge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>nahm<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nlag<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Gel<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n von <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken un<span class=\"_ _2\"></span>d ins<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>tuti<span class=\"_ _2\"></span>onel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>dient dabe<span class=\"_ _2\"></span>i pr<span class=\"_ _2\"></span>im\u00e4<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m Spi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zenausg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>basie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t a<span class=\"_ _2\"></span>uf e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e t\u00e4<span class=\"_ _2\"></span>glic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Zah<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Pla<span class=\"_ _2\"></span>nung e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ter Cash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldha<span class=\"_ _2\"></span>ndel <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>spu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s und <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m Zug<span class=\"_ _2\"></span>ang zu Nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>bank-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>azilit<span class=\"_ _2\"></span>\u00e4te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>In <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Min<span class=\"_ _2\"></span>des<span class=\"_ _2\"></span>tliqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>squo<span class=\"_ _2\"></span>te Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _3\"></span>y Cover<span class=\"_ _2\"></span>age R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>o (LCR).<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>t \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ein t<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>es Li<span class=\"_ _2\"></span>quidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>por<span class=\"_ _3\"></span>ting<span class=\"_ _3\"></span>, in <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls dr<span class=\"_ _2\"></span>eie<span class=\"_ _2\"></span>r Stre<span class=\"_ _2\"></span>ssszen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n lauf<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>imit<span class=\"_ _2\"></span>s \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht wi<span class=\"_ _2\"></span>rd. <span class=\"_ _2\"></span>Zude<span class=\"_ _2\"></span>m wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>sikost<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>ie fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nslim<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s im R<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>des t<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>por<span class=\"_ _3\"></span>ting<span class=\"_ _2\"></span>s \u00fcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>fsi<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>liche <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>squote <span class=\"_ _2\"></span>LCR wird w\u00f6che<span class=\"_ _2\"></span>ntli<span class=\"_ _2\"></span>ch un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>NS<span class=\"_ _2\"></span>FR m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>ausgewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d auf <span class=\"_ _2\"></span>die E<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Limit<span class=\"_ _2\"></span>s \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>de T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>le s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t die Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r LCR dar. Die Q<span class=\"_ _2\"></span>uote l<span class=\"_ _2\"></span>ieg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dab<span class=\"_ _2\"></span>ei we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>hin <span class=\"_ _2\"></span>weit <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>is und <span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>komf<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>abl<span class=\"_ _2\"></span>e Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>auss<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>ied<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Mindestliquidit\u00e4tsquote L<span class=\"_ _9\"></span>CR in Mio. \u20ac bzw<span class=\"_ _4\"></span>. in %<span class=\"_ _17e\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _f0\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>Liquidit\u00e4tspuffer<span class=\"_ _314\"> </span>3.880,6<span class=\"_ _132\"> </span>3.792,8<span class=\"_ _39f\"> </span>Mittelabfl\u00fcsse<span class=\"_ _315\"> </span>2.323,2<span class=\"_ _132\"> </span>1.953,5<span class=\"_ _39f\"> </span>Mittelzufl\u00fcsse<span class=\"_ _316\"> </span>278,0<span class=\"_ _fd\"> </span>262,5<span class=\"_ _39f\"> </span>Liquidit\u00e4tsdeckungsquote<span class=\"_ _149\"> </span><span class=\"ws1\">189,7 %<span class=\"_ _f4\"> </span>224,3 %<span class=\"_ _39f\"> </span></span>Ein wei<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>s I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>zur Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>disp<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>ven L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>snot<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>llpla<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>er u<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t E<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>alat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>prozesse<span class=\"_ _2\"></span>, Fr<span class=\"_ _2\"></span>\u00fchwar<span class=\"_ _2\"></span>nin<span class=\"_ _2\"></span>dik<span class=\"_ _2\"></span>atore<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Abwen<span class=\"_ _2\"></span>dung e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ill<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _3\"></span>. Das <span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tionie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>in b<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hrie<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>nen Mechanismen wird j\u00e4hr<span class=\"_ _2\"></span>lich getestet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Ban<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d be<span class=\"_ _2\"></span>inha<span class=\"_ _2\"></span>ltet <span class=\"_ _2\"></span>folg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Pu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Optim<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>tur b<span class=\"_ _2\"></span>is Mi<span class=\"_ _2\"></span>nimie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Ausreic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de Aus<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung dur<span class=\"_ _2\"></span>ch P<span class=\"_ _2\"></span>rim<span class=\"_ _2\"></span>\u00e4rm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Diversifikation der Refinanzierungsquellen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Optim<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>spu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Klare <span class=\"_ _2\"></span>Inves<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ionss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gie <span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r ten<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hige <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re i<span class=\"_ _2\"></span>m Ba<span class=\"_ _2\"></span>nkb<span class=\"_ _2\"></span>uch<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Einhalt<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>tlich<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>uk<span class=\"_ _3\"></span>ture<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>squote <span class=\"_ _2\"></span>Ne<span class=\"_ _2\"></span>t St<span class=\"_ _2\"></span>able <span class=\"_ _2\"></span>Fundi<span class=\"_ _2\"></span>ng R<span class=\"_ _2\"></span>atio <span class=\"_ _2\"></span>(N<span class=\"_ _2\"></span>SFR)<span class=\"_ _39f\"> </span></span>Strukturelle L<span class=\"_ _9\"></span>iquidit\u00e4tsquote NSFR in Mio. \u20ac bzw<span class=\"_ _4\"></span>. in %<span class=\"_ _4d\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _ef\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f\u00fcgbare st<span class=\"_ _2\"></span>abile Refinanzierung<span class=\"_ _317\"> </span>10.449,1<span class=\"_ _132\"> </span>9.856,1<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>forderliche s<span class=\"_ _2\"></span>tabile Refinanzierung<span class=\"_ _318\"> </span>7.651,1<span class=\"_ _132\"> </span>7.334,7<span class=\"_ _39f\"> </span>Strukturelle L<span class=\"_ _9\"></span>iquidit\u00e4tsquote <span class=\"_ _2c3\"> </span>136,6 %<span class=\"_ _f4\"> </span>134,4 %<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V is<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>reb<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, ihr<span class=\"_ _2\"></span>e la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Verm\u00f6g<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e durc<span class=\"_ _2\"></span>h la<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>zu re<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>de Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie nic<span class=\"_ _2\"></span>ht ab<span class=\"_ _2\"></span>gezi<span class=\"_ _2\"></span>nste<span class=\"_ _2\"></span>n C<span class=\"_ _2\"></span>ashfl<span class=\"_ _2\"></span>ows de<span class=\"_ _2\"></span>r fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>und Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n. Restlaufzeiten For<span class=\"_ _9\"></span>derungen 31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _43\"> </span><span class=\"fs6 lse\">t\u00e4gl. f\u00e4llig<span class=\"_ _10a\"> </span>&lt; 3 Monate<span class=\"_ _39f\"> </span></span>3 Mon<span class=\"_ _2\"></span>ate <span class=\"_ _47\"></span><span class=\"ws1\"> </span>\u2013 1 Jahr<span class=\"_ _8e\"> </span>1 \u2013 5 Jahre<span class=\"_ _90\"> </span>&gt; 5 Jahre<span class=\"_ _39f\"> </span>Gesamt- ergebnis<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _12f\"> </span><span class=\"ff2\">54.138<span class=\"_ _91\"> </span>356.434<span class=\"_ _13c\"> </span>57.142<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _59\"> </span></span>467.715<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _17a\"> </span><span class=\"ff2\">2.252.600<span class=\"_ _91\"> </span>271.288<span class=\"_ _91\"> </span>917.420<span class=\"_ _112\"> </span>2.888.865<span class=\"_ _112\"> </span>2.463.387<span class=\"_ _112\"> </span>8.793.560<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _19f\"> </span><span class=\"ff2\">326<span class=\"_ _9a\"> </span>41.209<span class=\"_ _59\"> </span>190.659<span class=\"_ _91\"> </span>679.917<span class=\"_ _59\"> </span>470.390<span class=\"_ _112\"> </span>1.382.500<span class=\"_ _39f\"> </span></span>Nicht derivative For<span class=\"_ _9\"></span>derungen<span class=\"_ _fe\"> </span><span class=\"wse\">2.307.064<span class=\"_ _12e\"> </span>668.931<span class=\"_ _ea\"> </span>1.165.221<span class=\"_ _ea\"> </span>3.568.782<span class=\"_ _ea\"> </span>2.933.777<span class=\"_ _b6\"> </span>10.643.775<span class=\"_ _39f\"> </span></span>Derivative Forderungen<span class=\"_ _271\"> </span><span class=\"ff2\">293<span class=\"_ _13c\"> </span>15.967<span class=\"_ _10d\"> </span>21.904<span class=\"_ _13c\"> </span>39.477<span class=\"_ _fd\"> </span>2.086<span class=\"_ _13c\"> </span>79.728<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1d9\"> </span>2.307.357<span class=\"_ _158\"> </span>684.899<span class=\"_ _11a\"> </span>1.187.125<span class=\"_ _ea\"> </span>3.608.259<span class=\"_ _ea\"> </span>2.935.863<span class=\"_ _b6\"> </span>10.723.502<span class=\"_ _39f\"> </span>Restlaufzeiten V<span class=\"_ _10\"></span>erbindlichkeiten 31.12.2024 nach IFRS 7.39<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _43\"> </span><span class=\"fs6 lse\">t\u00e4gl. f\u00e4llig<span class=\"_ _10a\"> </span>&lt; 3 Monate<span class=\"_ _39f\"> </span></span>3 Mon<span class=\"_ _2\"></span>ate <span class=\"_ _47\"></span><span class=\"ws1\"> </span>\u2013 1 Jahr<span class=\"_ _8e\"> </span>1 \u2013 5 Jahre<span class=\"_ _90\"> </span>&gt; 5 Jahre<span class=\"_ _39f\"> </span>Gesamt- ergebnis<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten Kreditinstitute<span class=\"_ _cc\"> </span><span class=\"ff2\">286.989<span class=\"_ _59\"> </span>164.395<span class=\"_ _13c\"> </span>72.707<span class=\"_ _59\"> </span>261.056<span class=\"_ _91\"> </span>272.230<span class=\"_ _112\"> </span>1.057.378<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten Kunden<span class=\"_ _121\"> </span><span class=\"ff2\">5.970.566<span class=\"_ _112\"> </span>2.079.756<span class=\"_ _112\"> </span>1.195.617<span class=\"_ _91\"> </span>429.050<span class=\"_ _10d\"> </span>81.718<span class=\"_ _112\"> </span>9.756.707<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _319\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _13c\"> </span></span><span class=\"ff2\">60.443<span class=\"_ _59\"> </span>151.650<span class=\"_ _112\"> </span>1.279.521<span class=\"_ _91\"> </span>259.427<span class=\"_ _112\"> </span>1.751.040<span class=\"_ _39f\"> </span></span>Nicht derivative V<span class=\"_ _10\"></span>erbindlich-<span class=\"ls2\"> </span>keiten<span class=\"_ _39f\"> </span>6.257.555<span class=\"_ _ea\"> </span>2.304.594<span class=\"_ _ea\"> </span>1.419.974<span class=\"_ _ea\"> </span>1.969.627<span class=\"_ _12e\"> </span>613.375<span class=\"_ _b6\"> </span>12.565.126<span class=\"_ _39f\"> </span>Derivative V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _24a\"> </span><span class=\"ff2\">146<span class=\"_ _fd\"> </span>2.566<span class=\"_ _10d\"> </span>15.281<span class=\"_ _9a\"> </span>27.682<span class=\"_ _9a\"> </span></span>\u22128.388<span class=\"_ _10d\"> </span><span class=\"ff2\">37.286<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1d9\"> </span>6.257.701<span class=\"_ _ea\"> </span>2.307.160<span class=\"_ _ea\"> </span>1.435.255<span class=\"_ _ea\"> </span>1.997.309<span class=\"_ _12e\"> </span>604.987<span class=\"_ _b6\"> </span>12.602.412<span class=\"_ _39f\"> </span>Finanzgarantien<span class=\"_ _a7\"> </span><span class=\"ff2\">173.851<span class=\"_ _91\"> </span>271.839<span class=\"_ _91\"> </span>704.340<span class=\"_ _59\"> </span>154.893<span class=\"_ _91\"> </span>192.975<span class=\"_ _112\"> </span>1.497.898<span class=\"_ _39f\"> </span></span>Nicht ausgenutzte Kreditr<span class=\"_ _2\"></span>ahmen inkl<span class=\"_ _2\"></span>. offener Capit<span class=\"_ _2\"></span>al Calls<span class=\"_ _39f\"> </span>330.347<span class=\"_ _91\"> </span>524.901<span class=\"_ _112\"> </span>1.148.036<span class=\"_ _91\"> </span>516.365<span class=\"_ _59\"> </span>499.241<span class=\"_ _112\"> </span>3.018.889<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _b0\"> </span><span class=\"ff5\">504.198<span class=\"_ _12e\"> </span>796.740<span class=\"_ _ea\"> </span>1.852.376<span class=\"_ _12e\"> </span>671.258<span class=\"_ _12e\"> </span>692.216<span class=\"_ _ea\"> </span>4.516.788<span class=\"_ _39f\"> </span></span>Restlaufzeiten For<span class=\"_ _9\"></span>derungen 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _43\"> </span><span class=\"fs6 lse\">t\u00e4gl. f\u00e4llig<span class=\"_ _10a\"> </span>&lt; 3 Monate<span class=\"_ _39f\"> </span></span>3 Mon<span class=\"_ _2\"></span>ate <span class=\"_ _47\"></span><span class=\"ws1\"> </span>\u2013 1 Jahr<span class=\"_ _8e\"> </span>1 \u2013 5 Jahre<span class=\"_ _90\"> </span>&gt; 5 Jahre<span class=\"_ _39f\"> </span>Gesamt- ergebnis<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _12f\"> </span><span class=\"ff2\">60.959<span class=\"_ _91\"> </span>256.338<span class=\"_ _13c\"> </span>63.725<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _59\"> </span></span>381.022<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _17a\"> </span><span class=\"ff2\">2.117.096<span class=\"_ _91\"> </span>269.358<span class=\"_ _91\"> </span>934.716<span class=\"_ _112\"> </span>2.985.802<span class=\"_ _112\"> </span>2.308.324<span class=\"_ _112\"> </span>8.615.298<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen<span class=\"_ _19f\"> </span><span class=\"ff2\">464<span class=\"_ _9a\"> </span>80.830<span class=\"_ _59\"> </span>186.191<span class=\"_ _91\"> </span>740.183<span class=\"_ _59\"> </span>279.282<span class=\"_ _112\"> </span>1.286.951<span class=\"_ _39f\"> </span></span>Nicht derivative For<span class=\"_ _9\"></span>derungen<span class=\"_ _fe\"> </span><span class=\"wse\">2.178.519<span class=\"_ _12e\"> </span>606.527<span class=\"_ _ea\"> </span>1.184.633<span class=\"_ _ea\"> </span>3.725.986<span class=\"_ _ea\"> </span>2.587.606<span class=\"_ _b6\"> </span>10.283.271<span class=\"_ _39f\"> </span></span>Derivative Forderungen<span class=\"_ _271\"> </span><span class=\"ff2\">301<span class=\"_ _fd\"> </span>6.327<span class=\"_ _13c\"> </span>17.034<span class=\"_ _10d\"> </span>39.711<span class=\"_ _13c\"> </span>10.119<span class=\"_ _13c\"> </span>73.494<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1d9\"> </span>2.178.821<span class=\"_ _158\"> </span>612.855<span class=\"_ _11a\"> </span>1.201.667<span class=\"_ _ea\"> </span>3.765.697<span class=\"_ _ea\"> </span>2.597.725<span class=\"_ _b6\"> </span>10.356.765<span class=\"_ _39f\"> </span>Restlaufzeiten V<span class=\"_ _10\"></span>erbindlichkeiten 31.12.2023 nach IFRS 7.39<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _43\"> </span><span class=\"fs6 lse\">t\u00e4gl. f\u00e4llig<span class=\"_ _10a\"> </span>&lt; 3 Monate<span class=\"_ _39f\"> </span></span>3 Mon<span class=\"_ _2\"></span>ate <span class=\"_ _47\"></span><span class=\"ws1\"> </span>\u2013 1 Jahr<span class=\"_ _8e\"> </span>1 \u2013 5 Jahre<span class=\"_ _90\"> </span>&gt; 5 Jahre<span class=\"_ _39f\"> </span>Gesamt- ergebnis<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten Kreditinstitute<span class=\"_ _cc\"> </span><span class=\"ff2\">288.464<span class=\"_ _59\"> </span>117.320<span class=\"_ _91\"> </span>464.786<span class=\"_ _59\"> </span>313.840<span class=\"_ _91\"> </span>314.022<span class=\"_ _112\"> </span>1.498.433<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten Kunden<span class=\"_ _121\"> </span><span class=\"ff2\">5.189.095<span class=\"_ _112\"> </span>1.429.611<span class=\"_ _112\"> </span>1.702.734<span class=\"_ _91\"> </span>602.877<span class=\"_ _59\"> </span>105.134<span class=\"_ _112\"> </span>9.029.451<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten<span class=\"_ _319\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _13c\"> </span></span><span class=\"ff2\">35.909<span class=\"_ _59\"> </span>159.051<span class=\"_ _112\"> </span>1.210.578<span class=\"_ _91\"> </span>266.334<span class=\"_ _112\"> </span>1.671.872<span class=\"_ _39f\"> </span></span>Nicht derivative V<span class=\"_ _10\"></span>erbindlich-<span class=\"ls2\"> </span>keiten<span class=\"_ _39f\"> </span>5.477.560<span class=\"_ _ea\"> </span>1.582.840<span class=\"_ _ea\"> </span>2.326.571<span class=\"_ _ea\"> </span>2.127.295<span class=\"_ _12e\"> </span>685.490<span class=\"_ _b6\"> </span>12.199.756<span class=\"_ _39f\"> </span>Derivative V<span class=\"_ _9\"></span>erbindlichkeiten<span class=\"_ _24a\"> </span><span class=\"ff2\">151<span class=\"_ _13c\"> </span>16.484<span class=\"_ _10d\"> </span>15.344<span class=\"_ _13c\"> </span>26.998<span class=\"_ _fd\"> </span>4.407<span class=\"_ _13c\"> </span>63.385<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _1d9\"> </span>5.476.292<span class=\"_ _ea\"> </span>1.599.462<span class=\"_ _ea\"> </span>2.342.459<span class=\"_ _ea\"> </span>2.154.661<span class=\"_ _12e\"> </span>690.266<span class=\"_ _b6\"> </span>12.263.140<span class=\"_ _39f\"> </span>Finanzgarantien<span class=\"_ _a7\"> </span><span class=\"ff2\">113.122<span class=\"_ _91\"> </span>346.704<span class=\"_ _91\"> </span>586.920<span class=\"_ _59\"> </span>209.047<span class=\"_ _91\"> </span>186.788<span class=\"_ _112\"> </span>1.442.582<span class=\"_ _39f\"> </span></span>Nicht ausgenutzte Kreditr<span class=\"_ _2\"></span>ahmen inkl<span class=\"_ _2\"></span>. offener Capit<span class=\"_ _2\"></span>al Calls<span class=\"_ _39f\"> </span>305.425<span class=\"_ _91\"> </span>520.619<span class=\"_ _112\"> </span>1.022.708<span class=\"_ _91\"> </span>654.220<span class=\"_ _59\"> </span>447.730<span class=\"_ _112\"> </span>2.950.702<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _b0\"> </span><span class=\"ff5\">418.547<span class=\"_ _12e\"> </span>867.323<span class=\"_ _ea\"> </span>1.609.628<span class=\"_ _12e\"> </span>863.268<span class=\"_ _12e\"> </span>634.518<span class=\"_ _ea\"> </span>4.393.284<span class=\"_ _39f\"> </span></span>Neb<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Ausge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung der ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Res<span class=\"_ _2\"></span>tlau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>zeite<span class=\"_ _2\"></span>n sind K<span class=\"_ _2\"></span>onzen<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siken im L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt von hoh<span class=\"_ _2\"></span>er Be<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>ung. Zur Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n hat die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in ihre<span class=\"_ _2\"></span>r Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>ikost<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>ie Schl<span class=\"_ _2\"></span>\u00fcssel<span class=\"_ _2\"></span>indik<span class=\"_ _2\"></span>ato<span class=\"_ _2\"></span>ren f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>e umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>n Limi<span class=\"_ _2\"></span>ts b<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich d<span class=\"_ _2\"></span>er H\u00f6<span class=\"_ _2\"></span>he von E<span class=\"_ _2\"></span>xp<span class=\"_ _2\"></span>osure<span class=\"_ _2\"></span>s gege<span class=\"_ _2\"></span>n\u00fcb<span class=\"_ _2\"></span>er Ko<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ahe<span class=\"_ _2\"></span>nten sow<span class=\"_ _2\"></span>ie Ob<span class=\"_ _2\"></span>er- und Unte<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>renze<span class=\"_ _2\"></span>n bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h des Refin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smi<span class=\"_ _2\"></span>xes, be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d aus Cor<span class=\"_ _2\"></span>por<span class=\"_ _2\"></span>ates<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, Re<span class=\"_ _2\"></span>tai<span class=\"_ _2\"></span>lkun<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, F<span class=\"_ _2\"></span>inanzk<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>en und K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>almar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>missio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>h R<span class=\"_ _2\"></span>isiken aus Stress<span class=\"_ _9\"></span>szenarien<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ha<span class=\"_ _2\"></span>t zur M<span class=\"_ _2\"></span>essung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r neg<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tiven <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Um<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>ld ein Stres<span class=\"_ _9\"></span>stestprogramm ent<span class=\"_ _2\"></span>wickelt. Das m<span class=\"_ _2\"></span>akr<span class=\"_ _2\"></span>o\u00f6kono<span class=\"_ _2\"></span>misc<span class=\"_ _2\"></span>he R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>mani<span class=\"_ _2\"></span>fes<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tumf<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>des u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren Imp<span class=\"_ _2\"></span>lik<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie wes<span class=\"_ _2\"></span>entl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>reib<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>. Die <span class=\"_ _2\"></span>Qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>t mi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tels <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>es ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6kono<span class=\"_ _2\"></span>misch<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, welch<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>ie wes<span class=\"_ _2\"></span>entl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>es kon<span class=\"_ _2\"></span>junk<span class=\"_ _3\"></span>ture<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hwung<span class=\"_ _2\"></span>s b<span class=\"_ _2\"></span>einha<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>e Stre<span class=\"_ _2\"></span>ssszen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n sowoh<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>Bez<span class=\"_ _2\"></span>ug au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>reg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Qu<span class=\"_ _2\"></span>oten <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n Pl<span class=\"_ _2\"></span>anung<span class=\"_ _2\"></span>shor<span class=\"_ _2\"></span>izont <span class=\"_ _2\"></span>von zumi<span class=\"_ _2\"></span>ndes<span class=\"_ _2\"></span>t dr<span class=\"_ _2\"></span>ei J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en (norma<span class=\"_ _2\"></span>tive Persp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive) sowie f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>tige B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e (\u00f6konomis<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Persp<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>tive) durchge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hter<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>halt<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit <span class=\"_ _2\"></span>im Str<span class=\"_ _2\"></span>ess<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nsspe<span class=\"_ _2\"></span>zifi<span class=\"_ _2\"></span>sch we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n auc<span class=\"_ _2\"></span>h b<span class=\"_ _2\"></span>ei ge<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mst<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ie g<span class=\"_ _2\"></span>loba<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Stress<span class=\"_ _2\"></span>szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>hsimu<span class=\"_ _2\"></span>lier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m Ja<span class=\"_ _2\"></span>hr 2<span class=\"_ _2\"></span>020 w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e die <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r E<span class=\"_ _2\"></span>ZB in <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>m Str<span class=\"_ _2\"></span>ess<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t vor<span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en Szen<span class=\"_ _2\"></span>arie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>COVID<span class=\"_ _3\"></span>-<span class=\"_ _4\"></span>19-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>emie <span class=\"_ _2\"></span>simuli<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>as Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V umg<span class=\"_ _2\"></span>eleg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-551": {
   "value": "Kreditrisik<span class=\"_ _4\"></span>o<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t ge<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"ff2 ls2 ws1\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Adressausf<span class=\"_ _2\"></span>allrisiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Kreditkonzentr<span class=\"_ _2\"></span>ationsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Restrisiken aus <span class=\"_ _2\"></span>kredit<span class=\"_ _2\"></span>risikominder<span class=\"_ _2\"></span>nden T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>chniken<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risiko a<span class=\"_ _2\"></span>us d<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itbe<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Konzentrationsrisiken aus W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>tpapier<span class=\"_ _2\"></span>veranlag<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span></span>Adressaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allrisiko<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Adr<span class=\"_ _2\"></span>essa<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>lris<span class=\"_ _2\"></span>iko ver<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht d<span class=\"_ _2\"></span>ie BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ko ein<span class=\"_ _2\"></span>es g<span class=\"_ _2\"></span>\u00e4nzl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n od<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>nur te<span class=\"_ _2\"></span>ilwei<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>genp<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>i und eine<span class=\"_ _2\"></span>s da<span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls d<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gela<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>ge bz<span class=\"_ _2\"></span>w. V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>ste <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>einge<span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>s. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>\u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Adress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>, als <span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>, kommt <span class=\"_ _2\"></span>beso<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>re B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Adre<span class=\"_ _2\"></span>ssaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>der Or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>einh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Kund<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>cial <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ket<span class=\"_ _2\"></span>s is<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>epar<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>beg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ge<span class=\"_ _2\"></span>tren<span class=\"_ _2\"></span>nt ge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>uer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Kr<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>itko<span class=\"_ _2\"></span>nze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>iko Als K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>risiko <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V da<span class=\"_ _2\"></span>s R<span class=\"_ _2\"></span>isiko b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>s aus <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er ung<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichm\u00e4<span class=\"_ _2\"></span>\u00dfigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>s<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>par<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit- o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n G<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ezie<span class=\"_ _2\"></span>hunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>geog<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>afis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r bz<span class=\"_ _2\"></span>w. bra<span class=\"_ _2\"></span>nche<span class=\"_ _2\"></span>nsp<span class=\"_ _2\"></span>ezifi<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sschwer<span class=\"_ _2\"></span>pun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tbi<span class=\"_ _2\"></span>l<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dung o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht un<span class=\"_ _2\"></span>d ge<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>et <span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>so g<span class=\"_ _2\"></span>ro\u00df<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>te zu <span class=\"_ _2\"></span>gene<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>or<span class=\"_ _3\"></span>tbes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V gef<span class=\"_ _2\"></span>\u00e4hrdet ist<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Restrisike<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikomindernd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>T<span class=\"_ _10\"></span>ec<span class=\"_ _2\"></span>hniken <span class=\"_ _2\"></span> Dar<span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iko ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss die <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>rnd<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>echni<span class=\"_ _2\"></span>ken we<span class=\"_ _2\"></span>nige<span class=\"_ _2\"></span>r wir<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sam sind a<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko k<span class=\"_ _2\"></span>ann <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t-, Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t-, Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>s-<span class=\"_ _2\"></span>, ope<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en Risiken<span class=\"_ _9\"></span> unterschi<span class=\"_ _9\"></span>eden werd<span class=\"_ _9\"></span>en.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko vers<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die BT<span class=\"_ _3\"></span>V in di<span class=\"_ _2\"></span>esem Zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>enh<span class=\"_ _2\"></span>ang das R<span class=\"_ _2\"></span>isiko e<span class=\"_ _2\"></span>ines g<span class=\"_ _2\"></span>\u00e4nzl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r auch n<span class=\"_ _2\"></span>ur teil<span class=\"_ _2\"></span>weise<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls ein<span class=\"_ _2\"></span>er Geg<span class=\"_ _2\"></span>enpa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>s Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsge<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rs bz<span class=\"_ _2\"></span>w. des Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>rs un<span class=\"_ _2\"></span>d des d<span class=\"_ _2\"></span>amit e<span class=\"_ _2\"></span>inhe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>den Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls d<span class=\"_ _2\"></span>er au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>elau<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>nen Er<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge bz<span class=\"_ _2\"></span>w. V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>ste de<span class=\"_ _2\"></span>s eing<span class=\"_ _2\"></span>eset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tals<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Als M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n sin<span class=\"_ _2\"></span>d das <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dw\u00e4<span class=\"_ _2\"></span>hrung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>-, A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>-, Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd Volatili<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>zu ne<span class=\"_ _2\"></span>nne<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Das <span class=\"_ _2\"></span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h W\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sinko<span class=\"_ _2\"></span>ngr<span class=\"_ _2\"></span>uenze<span class=\"_ _2\"></span>n z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>komind<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ec<span class=\"_ _2\"></span>hnik<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich der <span class=\"_ _2\"></span>Nomi<span class=\"_ _2\"></span>nalk<span class=\"_ _2\"></span>urs <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv z<span class=\"_ _2\"></span>um N<span class=\"_ _2\"></span>omina<span class=\"_ _2\"></span>lkur<span class=\"_ _2\"></span>s d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dites<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>\u00f6\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung un<span class=\"_ _2\"></span>d somit <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenz<span class=\"_ _2\"></span>ielle <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>h\u00f6he <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all d<span class=\"_ _2\"></span>er F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng. Zi<span class=\"_ _2\"></span>ns-<span class=\"_ _2\"></span>, Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>nkur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t-Sp<span class=\"_ _2\"></span>read<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risi<span class=\"_ _2\"></span>ko sind <span class=\"_ _2\"></span>vor al<span class=\"_ _2\"></span>lem <span class=\"_ _2\"></span>im Zusam<span class=\"_ _2\"></span>menh<span class=\"_ _2\"></span>ang mi<span class=\"_ _2\"></span>t fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n zu <span class=\"_ _2\"></span>seh<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. So <span class=\"_ _2\"></span>k\u00f6nnte<span class=\"_ _2\"></span>n sic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>ispie<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>ro\u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Einfl<span class=\"_ _2\"></span>\u00fcsse die M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te von <span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>(Ak<span class=\"_ _2\"></span>tien<span class=\"_ _2\"></span>, A<span class=\"_ _2\"></span>nle<span class=\"_ _2\"></span>ihen <span class=\"_ _2\"></span>etc<span class=\"_ _2\"></span>.) verr<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>im Zug<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>komind<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ec<span class=\"_ _2\"></span>hnike<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nic<span class=\"_ _2\"></span>htliq<span class=\"_ _2\"></span>uidie<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>rkei<span class=\"_ _2\"></span>t von T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>npo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s k\u00f6n<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>, ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e und <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>e Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>\u2013 en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>n na<span class=\"_ _2\"></span>chf<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>apite<span class=\"_ _2\"></span>ln \u2013 <span class=\"_ _2\"></span>dazu <span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>, da<span class=\"_ _2\"></span>ss T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ile d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>npor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lios a<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tenwer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bei <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>nann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>r\u00f6\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>die M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enwer<span class=\"_ _3\"></span>tes d<span class=\"_ _2\"></span>er u<span class=\"_ _2\"></span>nbes<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>l und somit <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenz<span class=\"_ _2\"></span>ielle <span class=\"_ _2\"></span>H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tlich<span class=\"_ _2\"></span>en Verlus<span class=\"_ _2\"></span>tes <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V b<span class=\"_ _2\"></span>ei Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung.<span class=\"_ _39f\"> </span>Risiko einer Anpassun<span class=\"_ _9\"></span>g der K<span class=\"_ _2\"></span>reditbewer<span class=\"_ _2\"></span>tung<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>npas<span class=\"_ _2\"></span>sung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng wir<span class=\"_ _2\"></span>d als <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>os von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>par<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ei an <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>se A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung sp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>lt de<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos d<span class=\"_ _2\"></span>er Geg<span class=\"_ _2\"></span>enpa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wi<span class=\"_ _2\"></span>der, jedoc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>npar<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>ko be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht hie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, weil <span class=\"_ _2\"></span>sich die R<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>mie f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>par<span class=\"_ _3\"></span>tei e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, oh<span class=\"_ _2\"></span>ne d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>ese a<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Konzentrationsrisiken aus <span class=\"_ _2\"></span>W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tpapier<span class=\"_ _3\"></span>veranlagungen<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>(Anleihe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Fon<span class=\"_ _2\"></span>ds, <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tien) investie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>d Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwan<span class=\"_ _2\"></span>kunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und au\u00dfe<span class=\"_ _2\"></span>rgew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e k\u00f6nn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>itel <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge sow<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>sgewoge<span class=\"_ _2\"></span>ne I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>se R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>SG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isik<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk-Se<span class=\"_ _2\"></span>lf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ssess<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>2024 erk<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>urden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klimarisiko<span class=\"_ _39f\"> </span>Umwelt-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>risiko<span class=\"_ _39f\"> </span>Soziales<span class=\"_ _9\"></span> <span class=\"ls2 ws1\"> </span>Risiko<span class=\"_ _39f\"> </span>Gov<span class=\"_ _9\"></span>ernance- Risiko<span class=\"_ _2ef\"></span><span class=\"lse ws1\"><span class=\"_ _39f\"> </span>Kapitalrisik<span class=\"_ _9\"></span>en (ICAAP)<span class=\"_ _d5\"> </span><span class=\"wse\">T<span class=\"_ _4\"></span>ransitionsrisiko<span class=\"_ _108\"> </span><span class=\"ws1\">Physisches Risik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span></span></span></span>Kreditrisiko<span class=\"_ _39f\"> </span>Kontrahentenrisiko<span class=\"_ _173\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Branchenrisiko<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Regionenrisiko<span class=\"_ _2f0\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Risikomindernde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>echniken<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Beteiligungsrisiko<span class=\"_ _2f1\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Marktrisiko<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _156\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _152\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Liquidit\u00e4ts-/Refinanzierungsrisiko<span class=\"_ _6a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _1d2\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Reputationsrisiko<span class=\"_ _243\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Step-in-Risiko<span class=\"_ _23a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Mittlere<span class=\"_ _39f\"> </span>Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>70,<span class=\"_ _3\"></span>2 %<span class=\"_ _39f\"> </span>Geringe<span class=\"_ _39f\"> </span>Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>29,<span class=\"_ _2\"></span>7 %<span class=\"_ _39f\"> </span>St<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ke Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>0,<span class=\"_ _2\"></span>07 %<span class=\"_ _39f\"> </span>Sehr starke Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>0,<span class=\"_ _2\"></span>0 %<span class=\"_ _39f\"> </span>Sehr geri<span class=\"_ _9\"></span>nge<span class=\"_ _9\"></span> Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>0,<span class=\"_ _2\"></span>0 %<span class=\"_ _39f\"> </span>Die Ei<span class=\"_ _2\"></span>nsch<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>bez\u00fcg<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit- <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>exp<span class=\"_ _2\"></span>osure<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt s<span class=\"_ _2\"></span>ich w<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Kre<span class=\"_ _2\"></span>ditexpos<span class=\"_ _2\"></span>ure <span class=\"_ _1d7\"> </span>Beteilig<span class=\"_ _2\"></span>ungsex<span class=\"_ _2\"></span>posure<span class=\"_ _39f\"> </span>St<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ke Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>10<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span> %<span class=\"_ _39f\"> </span>Sehr starke Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>0,<span class=\"_ _2\"></span>0 %<span class=\"_ _39f\"> </span>Sehr geri<span class=\"_ _9\"></span>nge<span class=\"_ _9\"></span> Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>0,<span class=\"_ _2\"></span>0 %<span class=\"_ _39f\"> </span>G<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>i<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>e Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>1,<span class=\"_ _2\"></span>0 %<span class=\"_ _39f\"> </span>Mittlere<span class=\"_ _39f\"> </span>Betrof<span class=\"_ _2\"></span>fenheit<span class=\"_ _39f\"> </span>8<span class=\"_ _2\"></span>8<span class=\"_ _3\"></span>,1<span class=\"_ _2\"></span> %<span class=\"_ _39f\"> </span>Die folgende Tabelle zeigt die quantifizierten Risiken per 31.12.2024 und 31.12.202<span class=\"ff6fa\">3</span>. Risikok<span class=\"_ _9\"></span>ategorie in M<span class=\"_ _9\"></span>io. \u20ac<span class=\"_ _b7\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _20\"> </span>Anteil<span class=\"_ _fa\"> </span>31.12.2023<span class=\"_ _20\"> </span>Anteil<span class=\"_ _39f\"> </span></span>Kreditrisiko<span class=\"_ _2f2\"> </span>570,8<span class=\"_ _fe\"> </span>40,7 <span class=\"_ _2\"></span>%<span class=\"_ _214\"> </span>578,6<span class=\"_ _fd\"> </span>43,6 %<span class=\"_ _39f\"> </span>Kreditkonzentrationsrisiko<span class=\"_ _213\"> </span>32,2<span class=\"_ _119\"> </span>2,3 %<span class=\"_ _105\"> </span>20,8<span class=\"_ _119\"> </span>1,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beteiligungsrisiko<span class=\"_ _33\"> </span>267,3<span class=\"_ _fe\"> </span>19,1 <span class=\"_ _2\"></span>%<span class=\"_ _214\"> </span>255,9<span class=\"_ _fd\"> </span>19,3 %<span class=\"_ _39f\"> </span>Immobilienrisiko<span class=\"_ _2d8\"> </span>27,8<span class=\"_ _119\"> </span>2,0 %<span class=\"_ _105\"> </span>27,3<span class=\"_ _183\"> </span>2,1 %<span class=\"_ _39f\"> </span>Marktrisiko<span class=\"_ _2f2\"> </span>207,0<span class=\"_ _fd\"> </span>14,8 %<span class=\"_ _214\"> </span>163,2<span class=\"_ _fe\"> </span>12,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Refinanzierungsrisiko<span class=\"_ _2f3\"> </span>45,6<span class=\"_ _119\"> </span>3,3 %<span class=\"_ _105\"> </span>48,9<span class=\"_ _183\"> </span>3,7 %<span class=\"_ _39f\"> </span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _51\"> </span>40,9<span class=\"_ _183\"> </span>2,9 %<span class=\"_ _105\"> </span>38,9<span class=\"_ _183\"> </span>2,9 %<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _17f\"> </span>109,3<span class=\"_ _119\"> </span>7,8 %<span class=\"_ _105\"> </span>95,4<span class=\"_ _183\"> </span>7,2 %<span class=\"_ _39f\"> </span>Puffer f<span class=\"_ _2\"></span>\u00fcr sonstige und nicht <span class=\"_ _2\"></span>quantifizierbare R<span class=\"_ _2\"></span>isiken<span class=\"_ _7e\"> </span>101,1<span class=\"_ _119\"> </span>7,2 %<span class=\"_ _105\"> </span>96,8<span class=\"_ _183\"> </span>7,3 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _1fc\"> </span>1.402,1<span class=\"_ _192\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _132\"> </span></span>1.325,7<span class=\"_ _122\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Die Aus<span class=\"_ _2\"></span>n\u00fct<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikode<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>masse b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ug in de<span class=\"_ _2\"></span>r \u00f6kono<span class=\"_ _2\"></span>misc<span class=\"_ _2\"></span>hen Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive per 31.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 66<span class=\"_ _2\"></span>,9 % (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>,9 %<span class=\"_ _2\"></span>).<span class=\"_ _39f\"> </span>3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>f Kreditrisik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>et i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ri<span class=\"_ _2\"></span>sikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng zur <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ad<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allri<span class=\"_ _2\"></span>sikos i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r \u00f6kon<span class=\"_ _2\"></span>omisc<span class=\"_ _2\"></span>hen Persp<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ive d<span class=\"_ _2\"></span>en I<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Basi<span class=\"_ _2\"></span>sans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en w<span class=\"_ _2\"></span>ie b<span class=\"_ _2\"></span>eisp<span class=\"_ _2\"></span>iels<span class=\"_ _2\"></span>weise <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hanl<span class=\"_ _2\"></span>agever<span class=\"_ _2\"></span>m\u00f6ge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sabg<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>nzunge<span class=\"_ _2\"></span>n etc<span class=\"_ _3\"></span>. wir<span class=\"_ _2\"></span>d der <span class=\"_ _2\"></span>Stan<span class=\"_ _2\"></span>dard<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z zur <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Den ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>n Par<span class=\"_ _2\"></span>ame<span class=\"_ _2\"></span>ter z<span class=\"_ _2\"></span>ur Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung de<span class=\"_ _2\"></span>s Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kos ste<span class=\"_ _2\"></span>llt im I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z die Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>t dar. Diese wird aus ban<span class=\"_ _2\"></span>kint<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>s ab<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>itet<span class=\"_ _3\"></span>. F\u00fcr Fi<span class=\"_ _2\"></span>rme<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und Pr<span class=\"_ _2\"></span>iv<span class=\"_ _2\"></span>atk<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n sowi<span class=\"_ _2\"></span>e f\u00fcr B<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>n und Im<span class=\"_ _2\"></span>mobil<span class=\"_ _2\"></span>ienp<span class=\"_ _2\"></span>rojek<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en sin<span class=\"_ _2\"></span>d Rat<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>sys<span class=\"_ _2\"></span>tem<span class=\"_ _2\"></span>e im Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>, mit de<span class=\"_ _2\"></span>nen e<span class=\"_ _2\"></span>ine Eint<span class=\"_ _2\"></span>eilung d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiken i<span class=\"_ _2\"></span>n eine<span class=\"_ _2\"></span>r Sk<span class=\"_ _2\"></span>ala mi<span class=\"_ _2\"></span>t 1<span class=\"_ _4\"></span>3 zur Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Stuf<span class=\"_ _2\"></span>en vorge<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>en wi<span class=\"_ _2\"></span>rd. D<span class=\"_ _2\"></span>as Ra<span class=\"_ _2\"></span>ting bil<span class=\"_ _2\"></span>det d<span class=\"_ _2\"></span>ie Basi<span class=\"_ _2\"></span>s f\u00fcr d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung von K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n und sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t di<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>sset<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngen f<span class=\"_ _2\"></span>\u00fcr ein<span class=\"_ _2\"></span>e risi<span class=\"_ _2\"></span>koadju<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>ondi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung sowie di<span class=\"_ _2\"></span>e Fr\u00fch<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>kennung vo<span class=\"_ _2\"></span>n Prob<span class=\"_ _2\"></span>lem<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie Pre<span class=\"_ _2\"></span>isk<span class=\"_ _2\"></span>alk<span class=\"_ _2\"></span>ulat<span class=\"_ _2\"></span>ion im K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>aut dar<span class=\"_ _2\"></span>auf a<span class=\"_ _2\"></span>uf und e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>amit un<span class=\"_ _2\"></span>ter B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _2\"></span>ung von r<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>h\u00e4ng<span class=\"_ _2\"></span>igen R<span class=\"_ _2\"></span>isikoa<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00e4gen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Steuerung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Adressaus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allrisikos<span class=\"_ _39f\"> </span>Der B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment i<span class=\"_ _2\"></span>st zu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>\u00e4ndig f<span class=\"_ _2\"></span>\u00fcr die R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>teu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditb<span class=\"_ _2\"></span>uche<span class=\"_ _2\"></span>s sowie d<span class=\"_ _2\"></span>ie boni<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>\u00e4\u00dfige B<span class=\"_ _2\"></span>eur<span class=\"_ _3\"></span>teilung d<span class=\"_ _2\"></span>er Kund<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. W<span class=\"_ _9\"></span>eite<span class=\"_ _2\"></span>rs er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t in di<span class=\"_ _2\"></span>esem B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich d<span class=\"_ _2\"></span>ie umf<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>nde G<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tion d<span class=\"_ _2\"></span>es Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngsge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>, das Sa<span class=\"_ _2\"></span>nier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sman<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, die Abw<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung von ausge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>nen K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>ngag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s, die E<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng von Bila<span class=\"_ _2\"></span>nz- und Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>ysen u<span class=\"_ _2\"></span>nd die Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>bewer<span class=\"_ _2\"></span>tung.<span class=\"_ _39f\"> </span>Kund<span class=\"_ _2\"></span>enn\u00e4<span class=\"_ _2\"></span>he spie<span class=\"_ _2\"></span>lt f<span class=\"_ _2\"></span>\u00fcr die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V eine b<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>s wic<span class=\"_ _2\"></span>htige Rol<span class=\"_ _2\"></span>le. D<span class=\"_ _2\"></span>ies sp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>lt sich a<span class=\"_ _2\"></span>uch s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>rk im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditm<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t wide<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"ff2\"> </span>Ein tour<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>er Aus<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>usch z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Kun<span class=\"_ _2\"></span>denb<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>reuung u<span class=\"_ _2\"></span>nd den M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditm<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts i<span class=\"_ _2\"></span>st eb<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>o selbs<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>vers<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>h wie De<span class=\"_ _2\"></span>bito<span class=\"_ _2\"></span>renb<span class=\"_ _2\"></span>esp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hungen u<span class=\"_ _2\"></span>nd reg<span class=\"_ _2\"></span>elm\u00e4<span class=\"_ _2\"></span>\u00dfige Einzel<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allbe<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>chung<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f Basi<span class=\"_ _2\"></span>s von Fr\u00fchw<span class=\"_ _2\"></span>arn<span class=\"_ _2\"></span>sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i Be<span class=\"_ _2\"></span>dar<span class=\"_ _3\"></span>f finde<span class=\"_ _2\"></span>t auc<span class=\"_ _2\"></span>h ein dir<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er Kon<span class=\"_ _2\"></span>tak<span class=\"_ _3\"></span>t z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n dem K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment u<span class=\"_ _2\"></span>nd den K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>tat<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Als wes<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Ziel<span class=\"_ _2\"></span>vorg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>\u00fcr das Manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt des A<span class=\"_ _2\"></span>dress<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isikos wu<span class=\"_ _2\"></span>rden d<span class=\"_ _2\"></span>ie lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige O<span class=\"_ _2\"></span>ptim<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditg<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _3\"></span>ts im H<span class=\"_ _2\"></span>inbl<span class=\"_ _2\"></span>ick au<span class=\"_ _2\"></span>f die Ri<span class=\"_ _2\"></span>siko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>Relat<span class=\"_ _2\"></span>ion sowi<span class=\"_ _2\"></span>e kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>stig d<span class=\"_ _2\"></span>ie Err<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hung der j<span class=\"_ _2\"></span>eweils b<span class=\"_ _2\"></span>udget<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>ten K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>isikoziel<span class=\"_ _2\"></span>e in den e<span class=\"_ _2\"></span>inzeln<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nseg<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ten de<span class=\"_ _2\"></span>fini<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. <span class=\"ff2\"> </span>Zu den R<span class=\"_ _2\"></span>isikob<span class=\"_ _2\"></span>ew\u00e4<span class=\"_ _2\"></span>ltig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>chnike<span class=\"_ _2\"></span>n auf Ei<span class=\"_ _2\"></span>nzele<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e z\u00e4h<span class=\"_ _2\"></span>len di<span class=\"_ _2\"></span>e Bon<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng bei d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>, die He<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>e von Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n, l<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ende \u00dc<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>achung d<span class=\"_ _2\"></span>er Ko<span class=\"_ _2\"></span>ntoge<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ion und to<span class=\"_ _2\"></span>urli<span class=\"_ _2\"></span>che \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung des R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings u<span class=\"_ _2\"></span>nd der Wer<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>altig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t der B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung. E<span class=\"_ _2\"></span>bens<span class=\"_ _2\"></span>o er<span class=\"_ _3\"></span>folge<span class=\"_ _2\"></span>n lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>de und ze<span class=\"_ _2\"></span>itna<span class=\"_ _2\"></span>he Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r Ereig<span class=\"_ _2\"></span>nisse (z. B. Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>, I<span class=\"_ _2\"></span>nfl<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>)<span class=\"_ _2\"></span>. F\u00fcr im Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r iden<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>te und qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>te Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igung b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tehe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en gew<span class=\"_ _2\"></span>issen<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>haf<span class=\"_ _2\"></span>t Risikovorsorgen gebildet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Gesch\u00e4f<span class=\"_ _2\"></span>te mit <span class=\"_ _2\"></span>Nachsichten<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r For<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>nce (N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht) werd<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>nzession<span class=\"_ _2\"></span>en (Zug<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>dnisse) an einen S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r Schw<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>iten h<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>, sein<span class=\"_ _2\"></span>en fina<span class=\"_ _2\"></span>nziell<span class=\"_ _2\"></span>en Verpfl<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ungen n<span class=\"_ _2\"></span>achzu<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>n, od<span class=\"_ _2\"></span>er k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z vor sol<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n finanzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Schw<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>iten s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die K<span class=\"_ _2\"></span>ennze<span class=\"_ _2\"></span>ichnu<span class=\"_ _2\"></span>ng von Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hmen e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t auf Einze<span class=\"_ _2\"></span>lgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sebe<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r eine<span class=\"_ _2\"></span>r Kon<span class=\"_ _2\"></span>zession ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>teht m<span class=\"_ _2\"></span>an:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zug<span class=\"_ _2\"></span>uns<span class=\"_ _2\"></span>ten d<span class=\"_ _2\"></span>es S<span class=\"_ _2\"></span>chul<span class=\"_ _2\"></span>dner<span class=\"_ _2\"></span>s bz<span class=\"_ _2\"></span>w.<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">eine v\u00f6l<span class=\"_ _2\"></span>lige o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>teilwe<span class=\"_ _2\"></span>ise U<span class=\"_ _2\"></span>msc<span class=\"_ _2\"></span>huldu<span class=\"_ _2\"></span>ng bz<span class=\"_ _2\"></span>w. Neus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>uri<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung ei<span class=\"_ _2\"></span>nes <span class=\"_ _2\"></span>Prob<span class=\"_ _2\"></span>lemve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>s.<span class=\"_ _39f\"> </span></span>Ar<span class=\"_ _2\"></span>ten von N<span class=\"_ _2\"></span>achsichten<span class=\"_ _39f\"> </span>Es <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde A<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n von <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sma\u00dfna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>en:<span class=\"_ _39f\"> </span>Kur<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>max<span class=\"_ _2\"></span>. 2 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e<span class=\"_ _9\"></span>):<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Tilg<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sauss<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>zung <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>ten k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Tilg<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sred<span class=\"_ _2\"></span>uzier<span class=\"_ _2\"></span>ung \u00fcb<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>zen <span class=\"_ _2\"></span>Zeitr<span class=\"_ _2\"></span>aum<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Zahlungsaufschub/<span class=\"_ _9\"></span>-mor<span class=\"_ _2\"></span>atorium (<span class=\"_ _4\"></span>siehe <span class=\"_ _2\"></span>auch Tilgung<span class=\"_ _2\"></span>saussetzung)<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Kapitalisierung von Zahlungsr<span class=\"_ _2\"></span>\u00fccks<span class=\"_ _2\"></span>t\u00e4nden/Zinsen<span class=\"_ _39f\"> </span></span>La<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zinsse<span class=\"_ _2\"></span>nkung <span class=\"_ _2\"></span>(K<span class=\"_ _2\"></span>ondit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>/<span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ici<span class=\"_ _2\"></span>ng) e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>daue<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r vor<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>d<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Lauf<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>verl\u00e4ngerung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zus\u00e4t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>he Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es U<span class=\"_ _2\"></span>ms<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ozesses z<span class=\"_ _2\"></span>ur Ko<span class=\"_ _2\"></span>mpen<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>ion d<span class=\"_ _2\"></span>es h\u00f6<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikos<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00c4nder<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>des T<span class=\"_ _2\"></span>il<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>spl<span class=\"_ _2\"></span>ans<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W\u00e4hru<span class=\"_ _2\"></span>ngsu<span class=\"_ _2\"></span>mrec<span class=\"_ _2\"></span>hnung<span class=\"_ _3\"></span>, d<span class=\"_ _2\"></span>. h<span class=\"_ _2\"></span>. An<span class=\"_ _2\"></span>passu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>an di<span class=\"_ _2\"></span>e W\u00e4<span class=\"_ _2\"></span>hrung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Cas<span class=\"_ _2\"></span>hflows<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Sonst<span class=\"_ _2\"></span>ige \u00c4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ags<span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ingung<span class=\"_ _2\"></span>en/<span class=\"_ _2\"></span>Verein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Refinanz<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>/neue <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>linie<span class=\"_ _2\"></span>n zur <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>t\u00fct<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>Erh<span class=\"_ _2\"></span>olung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Schuldenzus<span class=\"_ _2\"></span>ammenf<span class=\"_ _2\"></span>assung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilwei<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndige<span class=\"_ _2\"></span>r Sc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>rla<span class=\"_ _2\"></span>ss<span class=\"_ _39f\"> </span></span>Risiken<span class=\"_ _39f\"> </span>Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich s<span class=\"_ _2\"></span>enke<span class=\"_ _2\"></span>n alle o<span class=\"_ _2\"></span>ben e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>\u00e4hnte<span class=\"_ _2\"></span>n Ma\u00dfna<span class=\"_ _2\"></span>hmen d<span class=\"_ _2\"></span>as Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko de<span class=\"_ _2\"></span>s Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s. So<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n jedo<span class=\"_ _2\"></span>ch die ge<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen s<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>ns des K<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>en nic<span class=\"_ _2\"></span>ht einge<span class=\"_ _2\"></span>hal<span class=\"_ _2\"></span>ten wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bes<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ht durc<span class=\"_ _2\"></span>h die Verz\u00f6ge<span class=\"_ _2\"></span>rung d<span class=\"_ _2\"></span>es Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls bz<span class=\"_ _2\"></span>w. durch die Verz\u00f6<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rung e<span class=\"_ _2\"></span>iner e<span class=\"_ _2\"></span>ventu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tk\u00fc<span class=\"_ _2\"></span>ndig<span class=\"_ _2\"></span>ung das R<span class=\"_ _2\"></span>isiko ei<span class=\"_ _2\"></span>ner ve<span class=\"_ _2\"></span>rmin<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten Ein<span class=\"_ _2\"></span>bri<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>hkeit<span class=\"_ _2\"></span>sq<span class=\"_ _2\"></span>uote<span class=\"_ _2\"></span>. Dies<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko wi<span class=\"_ _2\"></span>rd jedo<span class=\"_ _2\"></span>ch dur<span class=\"_ _2\"></span>ch die vor jede<span class=\"_ _2\"></span>r Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sgew\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng durch<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>nde T<span class=\"_ _9\"></span>rag<span class=\"_ _3\"></span>f\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e ausre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd Rec<span class=\"_ _2\"></span>hnung ge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n. F<span class=\"_ _2\"></span>\u00e4llt di<span class=\"_ _2\"></span>ese T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv aus<span class=\"_ _2\"></span>, er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t kein<span class=\"_ _2\"></span>e Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>htsg<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>rung un<span class=\"_ _2\"></span>d es wer<span class=\"_ _2\"></span>den no<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>ige Sch<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>te hinsic<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>ch Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ibung e<span class=\"_ _2\"></span>ingel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dadur<span class=\"_ _2\"></span>ch wir<span class=\"_ _2\"></span>d gew\u00e4<span class=\"_ _2\"></span>hrl<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass es zu ke<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>z\u00f6ger<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Aus<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>lls kommt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Risikomanagem<span class=\"_ _2\"></span>ent <span class=\"_ _2\"></span>und R<span class=\"_ _2\"></span>isiko\u00fcber<span class=\"_ _3\"></span>wachung<span class=\"_ _39f\"> </span>Die int<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>en Rege<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V seh<span class=\"_ _2\"></span>en vor<span class=\"_ _9\"></span>, dass N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sichte<span class=\"_ _2\"></span>n nur da<span class=\"_ _2\"></span>nn gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>nn eine o<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>ntlic<span class=\"_ _2\"></span>he R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung auf Basi<span class=\"_ _2\"></span>s der vor<span class=\"_ _2\"></span>lieg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Date<span class=\"_ _2\"></span>n, U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rlag<span class=\"_ _2\"></span>en und I<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>orma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann (<span class=\"_ _3\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng z. B<span class=\"_ _2\"></span>. durc<span class=\"_ _2\"></span>h Kre<span class=\"_ _2\"></span>dit<span class=\"_ _3\"></span>f\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung bz<span class=\"_ _2\"></span>w. Hausha<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnung<span class=\"_ _2\"></span>). Di<span class=\"_ _2\"></span>e Bew<span class=\"_ _2\"></span>illig<span class=\"_ _2\"></span>ung wird i<span class=\"_ _2\"></span>m Komp<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>weg en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. Die m<span class=\"_ _2\"></span>it dem K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>mer ge<span class=\"_ _2\"></span>tro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erei<span class=\"_ _2\"></span>nbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n imme<span class=\"_ _2\"></span>r sch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>ch dok<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. W<span class=\"_ _2\"></span>ird in b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>nde Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge ei<span class=\"_ _2\"></span>ngeg<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n, m<span class=\"_ _2\"></span>\u00fcssen d<span class=\"_ _2\"></span>ie ge\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ten bz<span class=\"_ _2\"></span>w. neuen Ver<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge vom K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>er sowi<span class=\"_ _2\"></span>e von alle<span class=\"_ _2\"></span>n Mitk<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>rn u<span class=\"_ _2\"></span>nd Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wach<span class=\"_ _2\"></span>ung wird i<span class=\"_ _2\"></span>m Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>manag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt mit<span class=\"_ _3\"></span>tels de<span class=\"_ _2\"></span>r bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>lls<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>me wi<span class=\"_ _2\"></span>e beis<span class=\"_ _2\"></span>piels<span class=\"_ _2\"></span>weis<span class=\"_ _2\"></span>e \u00dcbe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziehu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>- und R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>nab<span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>flis<span class=\"_ _2\"></span>ten vor<span class=\"_ _2\"></span>geno<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>. So<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige mit d<span class=\"_ _2\"></span>em Ku<span class=\"_ _2\"></span>nden g<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>of<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>erein<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>ungen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n durch d<span class=\"_ _2\"></span>en jeweilig<span class=\"_ _2\"></span>en Ko<span class=\"_ _2\"></span>mpe<span class=\"_ _2\"></span>tenz<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>r der M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge ge<span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t ko<span class=\"_ _2\"></span>ntro<span class=\"_ _2\"></span>llier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>W<span class=\"_ _4\"></span>eg<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>achsicht<span class=\"_ _2\"></span>sma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ierung<span class=\"_ _39f\"> </span>Im Lebends<span class=\"_ _9\"></span>egment:<span class=\"_ _39f\"> </span>F\u00fcr die \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung von N<span class=\"_ _2\"></span>achs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>kund<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>lten ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>h\u00e4r<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. N<span class=\"_ _2\"></span>ach Au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>e der N<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>sicht s<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t ein 2-<span class=\"_ _2\"></span>j\u00e4h<span class=\"_ _2\"></span>rige<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum; das Sys<span class=\"_ _2\"></span>tem p<span class=\"_ _2\"></span>r\u00fcf<span class=\"_ _3\"></span>t nac<span class=\"_ _2\"></span>h Abl<span class=\"_ _2\"></span>auf die<span class=\"_ _2\"></span>ser Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ch, o<span class=\"_ _2\"></span>b:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der K<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>im Le<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>dseg<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt b<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>det<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">keine \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>zi<span class=\"_ _2\"></span>ehung <span class=\"_ _2\"></span>&gt; 3<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>ag<span class=\"_ _2\"></span>e vor<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">keine o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verp<span class=\"_ _2\"></span>flic<span class=\"_ _2\"></span>htunge<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n (<span class=\"_ _9\"></span>erh<span class=\"_ _2\"></span>ebli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>, re<span class=\"_ _2\"></span>gelm<span class=\"_ _2\"></span>\u00e4\u00dfige Z<span class=\"_ _2\"></span>ahlu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>\u00fcber <span class=\"_ _2\"></span>zumin<span class=\"_ _2\"></span>des<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>H\u00e4<span class=\"_ _2\"></span>lf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>ob<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span></span>achtung<span class=\"_ _2\"></span>szeitr<span class=\"_ _2\"></span>aumes<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>Zudem e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t eine P<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fung d<span class=\"_ _2\"></span>urch de<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>uer u<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>e Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, ob d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>r nach a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>r wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>r Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n die For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Sind di<span class=\"_ _2\"></span>e Kr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcll<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, f<span class=\"_ _2\"></span>\u00e4llt d<span class=\"_ _2\"></span>ie Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>smar<span class=\"_ _2\"></span>kie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng weg.<span class=\"_ _39f\"> </span>Im Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allss<span class=\"_ _2\"></span>egm<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>W<span class=\"_ _9\"></span>enn der Kun<span class=\"_ _2\"></span>de w\u00e4hr<span class=\"_ _2\"></span>end des B<span class=\"_ _2\"></span>eoba<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ungsze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum<span class=\"_ _2\"></span>es aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4llt<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d der Beo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szeit<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>um unter<span class=\"_ _2\"></span>bro<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n; nach Wie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>un<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>dung (Ra<span class=\"_ _2\"></span>ting<span class=\"_ _3\"></span>verb<span class=\"_ _2\"></span>esse<span class=\"_ _2\"></span>rung f<span class=\"_ _2\"></span>r\u00fch<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tens 1 Jahr ab Se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung der Na<span class=\"_ _2\"></span>chsic<span class=\"_ _2\"></span>ht m\u00f6gl<span class=\"_ _2\"></span>ich<span class=\"_ _9\"></span>) sta<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t erne<span class=\"_ _2\"></span>ut ein Be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>szei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von 2 Jahre<span class=\"_ _2\"></span>n, w\u00e4hr<span class=\"_ _2\"></span>end des<span class=\"_ _2\"></span>sen vers<span class=\"_ _2\"></span>ch\u00e4r<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e Kri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien gel<span class=\"_ _2\"></span>ten:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">\u00dcber<span class=\"_ _2\"></span>zie<span class=\"_ _2\"></span>hung <span class=\"_ _2\"></span>&gt; 30 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>age <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ch w<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r zum <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Z<span class=\"_ _4\"></span>we<span class=\"_ _2\"></span>ite N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hsich<span class=\"_ _2\"></span>t auf <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s g<span class=\"_ _2\"></span>eken<span class=\"_ _2\"></span>nzeich<span class=\"_ _2\"></span>nete <span class=\"_ _2\"></span>Kon<span class=\"_ _2\"></span>to f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t auto<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sch <span class=\"_ _2\"></span>wied<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>um Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>eg<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>all <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>hsic<span class=\"_ _2\"></span>ht na<span class=\"_ _2\"></span>ch A<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r 2 J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>e na<span class=\"_ _2\"></span>ch G<span class=\"_ _2\"></span>esun<span class=\"_ _2\"></span>dung un<span class=\"_ _2\"></span>d au<span class=\"_ _2\"></span>tomat<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>er P<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>fu<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s </span>Lebendsegment<span class=\"_ _39f\"> </span>Sicher<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten<span class=\"_ _39f\"> </span>S\u00e4mt<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e in der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V zur Anwe<span class=\"_ _2\"></span>ndung komm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten si<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>deut<span class=\"_ _2\"></span>igen Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch die K<span class=\"_ _2\"></span>la<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>sifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>\u00f6gl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>it von Be<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen mi<span class=\"_ _2\"></span>t gle<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>em Char<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>ter na<span class=\"_ _2\"></span>chha<span class=\"_ _2\"></span>ltig ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>iste<span class=\"_ _2\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Dab<span class=\"_ _2\"></span>ei werd<span class=\"_ _2\"></span>en die j<span class=\"_ _2\"></span>eweils g<span class=\"_ _2\"></span>\u00fclt<span class=\"_ _2\"></span>igen nati<span class=\"_ _2\"></span>onale<span class=\"_ _2\"></span>n und in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nati<span class=\"_ _2\"></span>onale<span class=\"_ _2\"></span>n Rech<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>vor<span class=\"_ _2\"></span>schr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>ten zu<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lung<span class=\"_ _2\"></span>, B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung u<span class=\"_ _2\"></span>nd \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>ung von Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t und in de<span class=\"_ _2\"></span>n inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en je Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t bz<span class=\"_ _2\"></span>w. -k<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>e von E<span class=\"_ _2\"></span>xpe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n*innen d<span class=\"_ _2\"></span>er Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>e ent<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>end e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>arb<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t und all<span class=\"_ _2\"></span>en Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen zu<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcg<span class=\"_ _2\"></span>ung ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Inwi<span class=\"_ _2\"></span>eweit Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>iten n<span class=\"_ _2\"></span>icht nu<span class=\"_ _2\"></span>r zur inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, sonde<span class=\"_ _2\"></span>rn a<span class=\"_ _2\"></span>uch zur a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tss<span class=\"_ _2\"></span>ei<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>tig vorg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>hene<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikomin<span class=\"_ _2\"></span>imier<span class=\"_ _2\"></span>ung im Zug<span class=\"_ _2\"></span>e der Eig<span class=\"_ _2\"></span>enmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>telb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng her<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>zogen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n bzw. ob die hi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr n<span class=\"_ _2\"></span>ot<span class=\"_ _2\"></span>wend<span class=\"_ _2\"></span>igen reg<span class=\"_ _2\"></span>ulato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>orau<span class=\"_ _2\"></span>sset<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ngen e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllt we<span class=\"_ _2\"></span>rden<span class=\"_ _2\"></span>, wi<span class=\"_ _2\"></span>rd durc<span class=\"_ _2\"></span>h den B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t unter M<span class=\"_ _2\"></span>itei<span class=\"_ _2\"></span>nbezi<span class=\"_ _2\"></span>ehung d<span class=\"_ _2\"></span>es Be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>chs Kreditmanagement festgeleg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zlich e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung alle<span class=\"_ _2\"></span>r Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>en auf B<span class=\"_ _2\"></span>asis i<span class=\"_ _2\"></span>hrer a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ells<span class=\"_ _2\"></span>ten M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te. D<span class=\"_ _2\"></span>er un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>hen Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tbar-<span class=\"_ _39f\"> </span>keit von ver<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hiede<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>nar<span class=\"_ _3\"></span>ten wi<span class=\"_ _2\"></span>rd durc<span class=\"_ _2\"></span>h die Anwe<span class=\"_ _2\"></span>ndung von B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen Rec<span class=\"_ _2\"></span>hnung ge<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n, wel<span class=\"_ _2\"></span>che Fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en wi<span class=\"_ _2\"></span>e die Dau<span class=\"_ _2\"></span>er und K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er pot<span class=\"_ _2\"></span>enzie<span class=\"_ _2\"></span>llen Ver<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tung o<span class=\"_ _2\"></span>der die M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>\u00e4ng<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it ei<span class=\"_ _2\"></span>ner Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>it be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>igen<span class=\"_ _2\"></span>. Nu<span class=\"_ _2\"></span>r in F\u00e4l<span class=\"_ _2\"></span>len<span class=\"_ _2\"></span>, wo die jewei<span class=\"_ _2\"></span>ligen St<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>ard<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze zur Be<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung d<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar<span class=\"_ _2\"></span>keit e<span class=\"_ _2\"></span>iner S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eit nic<span class=\"_ _2\"></span>ht ausr<span class=\"_ _2\"></span>eic<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, wird d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bar-<span class=\"_ _39f\"> </span>keit im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>r Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng mitb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Als we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>e Limit<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>ung nac<span class=\"_ _2\"></span>h obe<span class=\"_ _2\"></span>n dien<span class=\"_ _2\"></span>t die H\u00f6<span class=\"_ _2\"></span>he de<span class=\"_ _2\"></span>r besic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>ten Gesch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e von Sich<span class=\"_ _2\"></span>erh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en anh<span class=\"_ _2\"></span>and ei<span class=\"_ _2\"></span>nhei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h vorge<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>r Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n und -<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>thod<span class=\"_ _2\"></span>en dur<span class=\"_ _2\"></span>ch jewei<span class=\"_ _2\"></span>ls </span>dazu be<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ug<span class=\"_ _2\"></span>te M<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>r*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt und \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>. Wo sinnvoll, m\u00f6g<span class=\"_ _2\"></span>lich u<span class=\"_ _2\"></span>nd mit au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>itig<span class=\"_ _2\"></span>en Vorgab<span class=\"_ _2\"></span>en ver<span class=\"_ _2\"></span>einb<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>, werde<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>s autom<span class=\"_ _2\"></span>atis<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>er Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n und unte<span class=\"_ _2\"></span>r Einbi<span class=\"_ _2\"></span>ndung ex<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>ner I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en er<span class=\"_ _2\"></span>mit<span class=\"_ _3\"></span>telt un<span class=\"_ _2\"></span>d ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ualis<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. W<span class=\"_ _9\"></span>o Mark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n nicht a<span class=\"_ _2\"></span>utoma<span class=\"_ _2\"></span>tisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>n, komm<span class=\"_ _2\"></span>en vom K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>chei<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>sprozess un<span class=\"_ _2\"></span>abh\u00e4<span class=\"_ _2\"></span>ngige in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ne und ex<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rne B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>ter<span class=\"_ _2\"></span>*in<span class=\"_ _2\"></span>nen zu<span class=\"_ _2\"></span>m Einsa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z. I<span class=\"_ _2\"></span>n jede<span class=\"_ _2\"></span>m Fall e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng gem\u00e4<span class=\"_ _2\"></span>\u00df den d<span class=\"_ _2\"></span>urch M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgeex<span class=\"_ _2\"></span>pe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t*<span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>n vor-<span class=\"_ _39f\"> </span>gege<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>anda<span class=\"_ _2\"></span>rds und K<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>, die au<span class=\"_ _2\"></span>ch die au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>itige<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ab<span class=\"_ _2\"></span>en und M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anf<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htige<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>azu geh\u00f6<span class=\"_ _2\"></span>ren Vorga<span class=\"_ _2\"></span>ben z<span class=\"_ _2\"></span>ur Ak<span class=\"_ _3\"></span>tuali<span class=\"_ _2\"></span>sier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sh\u00e4u<span class=\"_ _2\"></span>figke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, zu d<span class=\"_ _2\"></span>en ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>eten Ver<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, zu au\u00dfe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>urli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von Sond<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>reig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n etc<span class=\"_ _2\"></span>. S<span class=\"_ _2\"></span>pezi<span class=\"_ _2\"></span>ell f<span class=\"_ _2\"></span>\u00fcr die g<span class=\"_ _2\"></span>r\u00f6\u00dfte Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>tenk<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u2013 hyp<span class=\"_ _2\"></span>othe<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>che Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>iten \u2013 e<span class=\"_ _2\"></span>xis<span class=\"_ _2\"></span>tier<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>illier<span class=\"_ _3\"></span>te Dok<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n zur Einh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>ung nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>er und i<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>ional<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>svor<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>rif<span class=\"_ _3\"></span>ten<span class=\"_ _2\"></span>, zur Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng nach<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>iger D<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>quali<span class=\"_ _2\"></span>t\u00e4t u<span class=\"_ _2\"></span>nd zur Auss<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t von Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngen<span class=\"_ _2\"></span>. Die Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisse a<span class=\"_ _2\"></span>utoma<span class=\"_ _2\"></span>tisie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ungen we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n sti<span class=\"_ _2\"></span>chpr<span class=\"_ _2\"></span>obe<span class=\"_ _2\"></span>nar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig und gesa<span class=\"_ _2\"></span>mtpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>ig fa<span class=\"_ _2\"></span>chli<span class=\"_ _2\"></span>ch val<span class=\"_ _2\"></span>idier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, um e<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>waig<span class=\"_ _2\"></span>e Anpa<span class=\"_ _2\"></span>ssung<span class=\"_ _2\"></span>snot<span class=\"_ _3\"></span>wendig<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n fr<span class=\"_ _2\"></span>\u00fchze<span class=\"_ _2\"></span>itig zu e<span class=\"_ _2\"></span>rke<span class=\"_ _2\"></span>nnen<span class=\"_ _2\"></span>. \u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Die B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze orie<span class=\"_ _2\"></span>ntie<span class=\"_ _2\"></span>ren s<span class=\"_ _2\"></span>ich an d<span class=\"_ _2\"></span>en im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von Verwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>mel<span class=\"_ _2\"></span>ten Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, die sowoh<span class=\"_ _2\"></span>l rec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che als a<span class=\"_ _2\"></span>uch </span>siche<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>nar<span class=\"_ _3\"></span>tensp<span class=\"_ _2\"></span>ezi<span class=\"_ _2\"></span>fisc<span class=\"_ _2\"></span>h fa<span class=\"_ _2\"></span>chlic<span class=\"_ _2\"></span>he Gr<span class=\"_ _2\"></span>\u00fcnd<span class=\"_ _2\"></span>e mitb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Dar<span class=\"_ _2\"></span>\u00fcbe<span class=\"_ _2\"></span>r hinau<span class=\"_ _2\"></span>s er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t ein j\u00e4h<span class=\"_ _2\"></span>rlic<span class=\"_ _2\"></span>hes B<span class=\"_ _2\"></span>ack<span class=\"_ _3\"></span>tes<span class=\"_ _2\"></span>ting de<span class=\"_ _2\"></span>r durc<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>gef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>ten Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>itenve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>chl\u00fcss<span class=\"_ _2\"></span>e auf di<span class=\"_ _2\"></span>e Validit\u00e4t d<span class=\"_ _2\"></span>er sic<span class=\"_ _2\"></span>h in Ver<span class=\"_ _2\"></span>wendung b<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>ndlic<span class=\"_ _2\"></span>hen B<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>ehns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze erl<span class=\"_ _2\"></span>aubt<span class=\"_ _3\"></span>. Hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i wird a<span class=\"_ _2\"></span>uf die s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>tis<span class=\"_ _2\"></span>tisc<span class=\"_ _2\"></span>he Auss<span class=\"_ _2\"></span>agek<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>eac<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>oda<span class=\"_ _2\"></span>ss Anpa<span class=\"_ _2\"></span>ssunge<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>hns<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze nur au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>und von nac<span class=\"_ _2\"></span>hvoll<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>ziehb<span class=\"_ _2\"></span>aren u<span class=\"_ _2\"></span>nd nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tig g<span class=\"_ _2\"></span>\u00fcltige<span class=\"_ _2\"></span>n Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lunge<span class=\"_ _2\"></span>n durc<span class=\"_ _2\"></span>hgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den Wer<span class=\"_ _2\"></span>te be<span class=\"_ _2\"></span>zieh<span class=\"_ _2\"></span>en sic<span class=\"_ _2\"></span>h auf de<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>solidi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>is gem<span class=\"_ _2\"></span>\u00e4\u00df de<span class=\"_ _2\"></span>m Rechnu<span class=\"_ _2\"></span>ngsl<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>rah<span class=\"_ _2\"></span>men I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zum Zweck des Be<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>sens b<span class=\"_ _2\"></span>ez\u00fcg<span class=\"_ _2\"></span>lich d<span class=\"_ _2\"></span>er K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tqua<span class=\"_ _2\"></span>lit\u00e4<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en die K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V in Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>ngef<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der K<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egor<span class=\"_ _2\"></span>ie \u201eOhn<span class=\"_ _2\"></span>e er<span class=\"_ _2\"></span>kennb<span class=\"_ _2\"></span>ares Au<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko<span class=\"_ _9\"></span>\u201c befi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sich die R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>, A<span class=\"_ _4\"></span>1, 1<span class=\"_ _4\"></span>a, 1b<span class=\"_ _9\"></span>, 2a<span class=\"_ _2\"></span>, 2b und 3a mi<span class=\"_ _2\"></span>t eine<span class=\"_ _2\"></span>m PD<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>h von 0,<span class=\"_ _2\"></span>05 % bis 1,65 %<span class=\"_ _2\"></span>. In d<span class=\"_ _2\"></span>er Stu<span class=\"_ _2\"></span>fe \u201e<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>it An<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>\u201c sind die R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en 3b un<span class=\"_ _2\"></span>d 4a e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten (<span class=\"_ _2\"></span>PD<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ban<span class=\"_ _2\"></span>dbre<span class=\"_ _2\"></span>ite von 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8 % b<span class=\"_ _2\"></span>is 5,<span class=\"_ _3\"></span>25 %) un<span class=\"_ _2\"></span>d in der St<span class=\"_ _2\"></span>ufe \u201e<span class=\"_ _3\"></span>Erh\u00f6<span class=\"_ _2\"></span>htes Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko\u201c die Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>se 4b m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>er von PD vo<span class=\"_ _2\"></span>n 1<span class=\"_ _4\"></span>5 %<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n der K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tegor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c b<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n sich je<span class=\"_ _2\"></span>ne K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolumi<span class=\"_ _2\"></span>na, f<span class=\"_ _2\"></span>\u00fcr die e<span class=\"_ _2\"></span>in Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allk<span class=\"_ _2\"></span>rit<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>um im Sinn<span class=\"_ _2\"></span>e von Bas<span class=\"_ _2\"></span>el I<span class=\"_ _2\"></span>II z<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>t und d<span class=\"_ _2\"></span>ie dami<span class=\"_ _2\"></span>t in den f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ra<span class=\"_ _2\"></span>ting<span class=\"_ _2\"></span>kla<span class=\"_ _2\"></span>s-<span class=\"_ _39f\"> </span>se<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span> si<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>d: D<span class=\"_ _2\"></span>ie Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>las<span class=\"_ _2\"></span>se 5a beinha<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>t jene Kre<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikovol<span class=\"_ _2\"></span>umina<span class=\"_ _2\"></span>, die noch nic<span class=\"_ _2\"></span>ht in Abwick<span class=\"_ _2\"></span>lung sind; die Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikovolumi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>na in den Rat<span class=\"_ _2\"></span>ingk<span class=\"_ _2\"></span>lass<span class=\"_ _2\"></span>en 5b und 5c werde<span class=\"_ _2\"></span>n bere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s betr<span class=\"_ _2\"></span>ieb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>t s<span class=\"_ _2\"></span>ich aus d<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ilanzp<span class=\"_ _2\"></span>ositi<span class=\"_ _2\"></span>onen \u201e<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>ord<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen an K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>te\u201c (Note 2), \u201e<span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n an Kun<span class=\"_ _2\"></span>den\u201c (Not<span class=\"_ _2\"></span>e 3), \u201e<span class=\"_ _2\"></span>Sons<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>es Fi<span class=\"_ _2\"></span>nanz<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>m\u00f6g<span class=\"_ _2\"></span>en\u201c ohne Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>te und D<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>te (No<span class=\"_ _2\"></span>te 4) sowie de<span class=\"_ _2\"></span>n Rah<span class=\"_ _2\"></span>men un<span class=\"_ _2\"></span>d Gar<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>ien (Not<span class=\"_ _2\"></span>e 33, Punk<span class=\"_ _3\"></span>t VI<span class=\"_ _2\"></span>II<span class=\"_ _2\"></span>) zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _39f\"> </span>Der U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d den A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben in N<span class=\"_ _2\"></span>ote 6 in H<span class=\"_ _2\"></span>\u00f6he von 9,<span class=\"_ _3\"></span>2 Mio. \u20ac er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt sich au<span class=\"_ _2\"></span>s der R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n der A<span class=\"_ _2\"></span>LGAR<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur G<span class=\"_ _2\"></span>esamt in T<span class=\"_ _4\"></span>sd.<span class=\"_ _39f\"> </span>Stichtag<span class=\"_ _fa\"> </span><span class=\"ls9a wsb0\">Date<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.549.171<span class=\"_ _ee\"> </span>1.190.657<span class=\"_ _90\"> </span>110.053<span class=\"_ _12b\"> </span>356.337<span class=\"_ _f3\"> </span>15.206.217   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _18e\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _12b\"> </span>914.071<span class=\"_ _145\"> </span>56.582<span class=\"_ _12b\"> </span>309.707<span class=\"_ _f2\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _184\"> </span><span class=\"ff2\">378.442<span class=\"_ _145\"> </span>68.682<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>25.422<span class=\"_ _12b\"> </span>502.059</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _75\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _12b\"> </span>207.904<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>21.208<span class=\"_ _8e\"> </span>4.516.788<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>89,1 %<span class=\"_ _10d\"> </span>7,8 %<span class=\"_ _10d\"> </span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>2,3 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">58.043<span class=\"_ _145\"> </span>22.841<span class=\"_ _99\"> </span>3.497<span class=\"_ _e1\"> </span>166.253<span class=\"_ _90\"> </span>250.633</span>   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _b0\"> </span><span class=\"ff2\">35.916<span class=\"_ _f4\"> </span>16.015<span class=\"_ _99\"> </span>1.580<span class=\"_ _12b\"> </span>156.614<span class=\"_ _90\"> </span>210.125</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _c7\"> </span><span class=\"ff2\">22.128<span class=\"_ _99\"> </span>6.826<span class=\"_ _99\"> </span>1.917<span class=\"_ _99\"> </span>9.639<span class=\"_ _145\"> </span>40.509<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,9 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,2 %<span class=\"_ _114\"> </span>46,7 %<span class=\"_ _10d\"> </span>1,6 %<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.466.910<span class=\"_ _12b\"> </span>855.296<span class=\"_ _145\"> </span>60.505<span class=\"_ _12b\"> </span>270.285<span class=\"_ _f3\"> </span>14.652.996   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten<span class=\"_ _8d\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _90\"> </span>657.840<span class=\"_ _145\"> </span>39.862<span class=\"_ _12b\"> </span>215.290<span class=\"_ _ee\"> </span>9.763.593</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _7b\"> </span><span class=\"ff2\">433.898<span class=\"_ _145\"> </span>23.216<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>23.840<span class=\"_ _90\"> </span>496.120</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _169\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _e1\"> </span>174.240<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>31.155<span class=\"_ _ee\"> </span>4.393.284<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>91,9 %<span class=\"_ _10d\"> </span>5,8 %<span class=\"_ _10d\"> </span>0,4 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>1,8 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">57.608<span class=\"_ _145\"> </span>13.328<span class=\"_ _99\"> </span>2.128<span class=\"_ _e1\"> </span>125.073<span class=\"_ _90\"> </span>198.138</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffung<span class=\"_ _2\"></span>skosten<span class=\"_ _69\"> </span><span class=\"ff2\">34.281<span class=\"_ _99\"> </span>9.356<span class=\"_ _99\"> </span>1.861<span class=\"_ _12b\"> </span>108.892<span class=\"_ _90\"> </span>154.389</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _225\"> </span><span class=\"ff2\">23.327<span class=\"_ _99\"> </span>3.972<span class=\"_ _d3\"> </span>267<span class=\"_ _f4\"> </span>16.182<span class=\"_ _145\"> </span>43.748<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,6 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,5 %<span class=\"_ _114\"> </span>46,3 %<span class=\"_ _10d\"> </span>1,4 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung<span class=\"_ _5\"> </span>Gesamtausn\u00fctzung zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _7e\"> </span><span class=\"ff2\">82.261<span class=\"_ _90\"> </span>335.361<span class=\"_ _f4\"> </span>49.547<span class=\"_ _145\"> </span>86.052<span class=\"_ _90\"> </span>553.221</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _95\"> </span><span class=\"ff2\">56.410<span class=\"_ _12b\"> </span>256.231<span class=\"_ _145\"> </span>16.720<span class=\"_ _145\"> </span>94.417<span class=\"_ _12b\"> </span>423.778</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _81\"> </span>\u221255.456<span class=\"_ _145\"> </span><span class=\"ff2\">45.465<span class=\"_ _145\"> </span>14.347<span class=\"_ _99\"> </span>1.582<span class=\"_ _1e3\"> </span>5.939</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _2f5\"> </span><span class=\"ff2\">81.306<span class=\"_ _145\"> </span>33.665<span class=\"_ _f4\"> </span>18.480<span class=\"_ _f4\"> </span></span>\u22129.947<span class=\"_ _12b\"> </span><span class=\"ff2\">123.504<span class=\"_ _39f\"> </span></span>zur Gesamtausn\u00fctzung des <span class=\"_ _2\"></span>Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _251\"> </span>0,6 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>39,2 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>81,9 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>31,8 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,8 %<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj.<span class=\"_ _260\"> </span><span class=\"ff2\">435<span class=\"_ _99\"> </span>9.513<span class=\"_ _99\"> </span>1.369<span class=\"_ _f4\"> </span>41.179<span class=\"_ _145\"> </span>52.496</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _15b\"> </span><span class=\"ff2\">1.635<span class=\"_ _99\"> </span>6.659<span class=\"_ _10d\"> </span></span>\u2212281<span class=\"_ _145\"> </span><span class=\"ff2\">47.723<span class=\"_ _145\"> </span>55.735</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _be\"> </span>\u22121.200<span class=\"_ _99\"> </span><span class=\"ff2\">2.854<span class=\"_ _99\"> </span>1.650<span class=\"_ _f4\"> </span></span>\u22126.543<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _b3\"> </span>0,8 %<span class=\"_ _114\"> </span>71,4 %<span class=\"_ _114\"> </span>64,3 %<span class=\"_ _59\"> </span>32,9 %<span class=\"_ _114\"> </span>26,5 %<span class=\"_ _39f\"> </span>Das g<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>volu<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte si<span class=\"_ _2\"></span>ch im <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>um +55<span class=\"_ _9\"></span>3,<span class=\"_ _2\"></span>2 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>3,<span class=\"_ _2\"></span>8 <span class=\"_ _2\"></span>% au<span class=\"_ _2\"></span>f 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6,<span class=\"_ _3\"></span>2 Mi<span class=\"_ _2\"></span>o. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>er Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n st<span class=\"_ _2\"></span>ieg <span class=\"_ _2\"></span>um +8<span class=\"_ _2\"></span>6,1 Mio. \u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>8 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>il a<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>samt<span class=\"_ _3\"></span>volume<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug zum <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ultim<span class=\"_ _2\"></span>o 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h 1,8 % <span class=\"_ _2\"></span>im Vorjahr<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Bonit\u00e4t<span class=\"_ _2\"></span>sstruk<span class=\"_ _3\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach L<span class=\"_ _2\"></span>\u00e4ndern<span class=\"_ _39f\"> </span>Rund 47<span class=\"_ _10\"></span>,9 % d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns (Summ<span class=\"_ _2\"></span>e aus fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr- ten Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n und b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>dem Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t) betr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>inl\u00e4n<span class=\"_ _2\"></span>disch<span class=\"_ _2\"></span>e Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mer. 3<span class=\"_ _9\"></span>5,<span class=\"_ _9\"></span>1 % ent<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f deu<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che un<span class=\"_ _2\"></span>d 9,4 % auf Schwe<span class=\"_ _2\"></span>izer Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hmer. Die res<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen 7<span class=\"_ _4\"></span>,6 % ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilen si<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>wie fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: 5<span class=\"_ _2\"></span>,0 % e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en auf d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r It<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>n, Fr<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch, S<span class=\"_ _2\"></span>chwed<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>e und N<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>. Die ve<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6 %<span class=\"_ _39f\"> </span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ile<span class=\"_ _2\"></span>n sich au<span class=\"_ _2\"></span>f Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er in s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen L<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Entwick<span class=\"_ _2\"></span>lung L\u00e4nderstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur Kreditrisiko in %<span class=\"_ _39f\"> </span>\u00d6sterreich                                <span class=\"_ _e1\"> </span><span class=\"ws1\">Deutschland<span class=\"_ _128\"> </span>Schw<span class=\"_ _9\"></span>eiz<span class=\"_ _13d\"> </span>Sonstige<span class=\"_ _39f\"> </span></span>2019<span class=\"_ _39f\"> </span>0<span class=\"_ _39f\"> </span>20<span class=\"_ _39f\"> </span>40<span class=\"_ _39f\"> </span>60<span class=\"_ _39f\"> </span>80<span class=\"_ _39f\"> </span>100<span class=\"_ _39f\"> </span>2021<span class=\"_ _12f\"> </span>2022<span class=\"_ _12f\"> </span>2023<span class=\"_ _153\"> </span>2024<span class=\"_ _39f\"> </span>35,1 %<span class=\"_ _39f\"> </span>35,<span class=\"_ _2\"></span>7 %<span class=\"_ _39f\"> </span>32<span class=\"_ _2\"></span>,4 %<span class=\"_ _39f\"> </span>26<span class=\"_ _2\"></span>,1 %<span class=\"_ _39f\"> </span>25<span class=\"_ _2\"></span>,7 %<span class=\"_ _39f\"> </span>9,4 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>8 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>5 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>4 %<span class=\"_ _39f\"> </span>8<span class=\"_ _2\"></span>,1 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>6 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>4 %<span class=\"_ _39f\"> </span>9,<span class=\"_ _2\"></span>8 %<span class=\"_ _39f\"> </span>47<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>9 %<span class=\"_ _39f\"> </span>49,<span class=\"_ _3\"></span>2 %<span class=\"_ _39f\"> </span>51<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>3 %<span class=\"_ _39f\"> </span>52<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>9 %<span class=\"_ _39f\"> </span>56<span class=\"_ _2\"></span>,7 %<span class=\"_ _39f\"> </span>56<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 %<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.609.562<span class=\"_ _91\"> </span>391.737<span class=\"_ _13c\"> </span>13.396<span class=\"_ _59\"> </span>132.905<span class=\"_ _112\"> </span>2.147.599<span class=\"_ _93\"> </span></span>14,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.858.327<span class=\"_ _59\"> </span>141.445<span class=\"_ _13c\"> </span>13.023<span class=\"_ _10d\"> </span>80.575<span class=\"_ _112\"> </span>2.093.369<span class=\"_ _93\"> </span></span>13,8 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _11c\"> </span><span class=\"ff2\">1.079.041<span class=\"_ _148\"> </span>99<span class=\"_ _14e\"> </span>16<span class=\"_ _89\"> </span>336<span class=\"_ _112\"> </span>1.079.492<span class=\"_ _9d\"> </span></span>7,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">956.144<span class=\"_ _10d\"> </span>24.594<span class=\"_ _fd\"> </span>2.672<span class=\"_ _13c\"> </span>17.501<span class=\"_ _112\"> </span>1.000.912<span class=\"_ _9d\"> </span></span>6,6 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">724.956<span class=\"_ _9a\"> </span>55.246<span class=\"_ _11c\"> </span>5.027<span class=\"_ _13c\"> </span>25.952<span class=\"_ _91\"> </span>811.180<span class=\"_ _9d\"> </span></span>5,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">627.067<span class=\"_ _91\"> </span>134.990<span class=\"_ _10d\"> </span>18.528<span class=\"_ _9a\"> </span>18.349<span class=\"_ _59\"> </span>798.935<span class=\"_ _9d\"> </span><span class=\"ff4\">5,3 %<span class=\"_ _39f\"> </span></span></span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">437.336<span class=\"_ _10d\"> </span>89.429<span class=\"_ _fd\"> </span>2.753<span class=\"_ _13c\"> </span>26.927<span class=\"_ _91\"> </span>556.445<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">484.400<span class=\"_ _13c\"> </span>34.631<span class=\"_ _116\"> </span>196<span class=\"_ _fd\"> </span>3.978<span class=\"_ _59\"> </span>523.205<span class=\"_ _9d\"> </span><span class=\"ff4\">3,4 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">393.470<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>393.470<span class=\"_ _9d\"> </span></span>2,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>256.624<span class=\"_ _13c\"> </span>13.132<span class=\"_ _116\"> </span>190<span class=\"_ _116\"> </span>944<span class=\"_ _59\"> </span>270.890<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>222.295<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>222.295<span class=\"_ _9d\"> </span><span class=\"ff4\">1,5 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">111.960<span class=\"_ _fd\"> </span>3.564<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>7<span class=\"_ _59\"> </span></span>115.531<span class=\"_ _9d\"> </span></span>0,8 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _42\"> </span><span class=\"ff2\">145.830<span class=\"_ _13c\"> </span>25.204<span class=\"_ _116\"> </span>781<span class=\"_ _fd\"> </span>2.233<span class=\"_ _91\"> </span>174.047<span class=\"_ _9d\"> </span></span>1,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _67\"> </span><span class=\"ff2\">76.733<span class=\"_ _13c\"> </span>61.394<span class=\"_ _10d\"> </span>29.512<span class=\"_ _13c\"> </span>25.182<span class=\"_ _91\"> </span>192.821<span class=\"_ _9d\"> </span></span>1,3 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">187.512<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>187.512<span class=\"_ _9d\"> </span></span>1,2 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">69.324<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>69.324<span class=\"_ _9d\"> </span></span>0,5 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _39f\"> </span>13.977<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>13.977<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>12.921<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>12.921<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2fa\"> </span><span class=\"ff2 lse wse\">9.073<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _fd\"> </span></span>9.073<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _fd\"> </span></span>7.027<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _27b\"> </span><span class=\"ff2 lse wse\">5.399<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _11c\"> </span></span>5.399<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">3.502<span class=\"_ _89\"> </span>260<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span></span>240<span class=\"_ _fd\"> </span>4.003<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.340.881<span class=\"_ _13c\"> </span>46.742<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _109\"> </span></span>145<span class=\"_ _112\"> </span>1.387.768<span class=\"_ _9d\"> </span><span class=\"ff4\">9,1 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.197.808<span class=\"_ _10d\"> </span>27.121<span class=\"_ _13c\"> </span>13.748<span class=\"_ _13c\"> </span>14.528<span class=\"_ _112\"> </span>1.253.205<span class=\"_ _9d\"> </span></span>8,2 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">508.107<span class=\"_ _10d\"> </span>42.160<span class=\"_ _fd\"> </span>3.215<span class=\"_ _fd\"> </span>2.096<span class=\"_ _91\"> </span>555.578<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">326.439<span class=\"_ _9a\"> </span>16.643<span class=\"_ _11c\"> </span>4.838<span class=\"_ _fd\"> </span>2.532<span class=\"_ _91\"> </span>350.453<span class=\"_ _9d\"> </span></span>2,3 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">238.302<span class=\"_ _10d\"> </span>16.534<span class=\"_ _fd\"> </span>1.346<span class=\"_ _116\"> </span>896<span class=\"_ _91\"> </span>257.077<span class=\"_ _9d\"> </span></span>1,7 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">152.129<span class=\"_ _13c\"> </span>54.862<span class=\"_ _116\"> </span>641<span class=\"_ _116\"> </span>967<span class=\"_ _59\"> </span>208.600<span class=\"_ _9d\"> </span><span class=\"ff4\">1,4 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">135.442<span class=\"_ _fd\"> </span>1.035<span class=\"_ _14e\"> </span>78<span class=\"_ _148\"> </span>44<span class=\"_ _91\"> </span>136.599<span class=\"_ _9d\"> </span></span>0,9 %<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">121.702<span class=\"_ _89\"> </span>510<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>122.212<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">51.566<span class=\"_ _fd\"> </span>1.020<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>52.586<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">49.483<span class=\"_ _fd\"> </span>1.074<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>50.650<span class=\"_ _9d\"> </span><span class=\"ff4\">0,3 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">41.931<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>41.931<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _186\"> </span><span class=\"ff2\">605<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _116\"> </span></span>605<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">99.322<span class=\"_ _116\"> </span>203<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _13c\"> </span></span>99.524<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.549.171<span class=\"_ _ea\"> </span>1.190.657<span class=\"_ _12e\"> </span>110.053<span class=\"_ _12e\"> </span>356.337<span class=\"_ _b6\"> </span>15.206.217<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>szweigen<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2024 hat die Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugung m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil von 2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _9\"></span>1 % das Reali<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>enwese<span class=\"_ _2\"></span>n mit 1<span class=\"_ _9\"></span>9,0 % auf d<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ten Pl<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _39f\"> </span>der W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>weige ver<span class=\"_ _3\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Den g<span class=\"_ _2\"></span>r\u00f6\u00dfte<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg g<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>b es mit +<span class=\"_ _9\"></span>365,<span class=\"_ _2\"></span>6 Mio. \u20ac in d<span class=\"_ _2\"></span>er Sa<span class=\"_ _2\"></span>chg\u00fc<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>ung. De<span class=\"_ _2\"></span>n gr\u00f6<span class=\"_ _2\"></span>\u00dften Ab<span class=\"_ _2\"></span>fluss<span class=\"_ _39f\"> </span>ga<span class=\"_ _2\"></span>b es mit \u2212<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6,4 M<span class=\"_ _2\"></span>io. \u20ac im B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich Di<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch de<span class=\"_ _2\"></span>r rel<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Ante<span class=\"_ _2\"></span>il von 1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>3 % au<span class=\"_ _2\"></span>f 5,4 % sa<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.622.115<span class=\"_ _91\"> </span>240.526<span class=\"_ _13c\"> </span>14.880<span class=\"_ _10d\"> </span>61.793<span class=\"_ _112\"> </span>1.939.314<span class=\"_ _93\"> </span></span>13,2 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.778.093<span class=\"_ _10d\"> </span>95.714<span class=\"_ _13c\"> </span>11.691<span class=\"_ _13c\"> </span>32.120<span class=\"_ _112\"> </span>1.917.618<span class=\"_ _6b\"> </span></span>13,1 %<span class=\"_ _39f\"> </span>Private<span class=\"_ _42\"> </span><span class=\"ff2\">1.031.891<span class=\"_ _13c\"> </span>36.607<span class=\"_ _fd\"> </span>2.986<span class=\"_ _10d\"> </span>22.714<span class=\"_ _112\"> </span>1.094.199<span class=\"_ _d3\"> </span></span>7,5 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">919.804<span class=\"_ _10d\"> </span>54.088<span class=\"_ _fd\"> </span>1.478<span class=\"_ _13c\"> </span>40.506<span class=\"_ _112\"> </span>1.015.877<span class=\"_ _9d\"> </span></span>6,9 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">957.665<span class=\"_ _fd\"> </span>8.061<span class=\"_ _14e\"> </span>25<span class=\"_ _89\"> </span>336<span class=\"_ _91\"> </span>966.088<span class=\"_ _9d\"> </span></span>6,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">574.483<span class=\"_ _91\"> </span>138.310<span class=\"_ _fd\"> </span>1.378<span class=\"_ _10d\"> </span>20.827<span class=\"_ _91\"> </span>734.999<span class=\"_ _9d\"> </span><span class=\"ff4\">5,0 %<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">615.788<span class=\"_ _9a\"> </span>18.092<span class=\"_ _11c\"> </span>6.396<span class=\"_ _13c\"> </span>29.181<span class=\"_ _91\"> </span>669.457<span class=\"_ _9d\"> </span></span>4,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">352.182<span class=\"_ _13c\"> </span>50.450<span class=\"_ _116\"> </span>304<span class=\"_ _fd\"> </span>5.892<span class=\"_ _59\"> </span>408.828<span class=\"_ _9d\"> </span><span class=\"ff4\">2,8 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">307.261<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>307.261<span class=\"_ _9d\"> </span></span>2,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>252.035<span class=\"_ _13c\"> </span>12.168<span class=\"_ _116\"> </span>329<span class=\"_ _116\"> </span>806<span class=\"_ _59\"> </span>265.339<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>252.801<span class=\"_ _116\"> </span>994<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _91\"> </span></span>253.795<span class=\"_ _9d\"> </span><span class=\"ff4\">1,7 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _104\"> </span><span class=\"ff2\">96.802<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _14e\"> </span></span>13<span class=\"_ _9a\"> </span>96.815<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">89.680<span class=\"_ _fd\"> </span>2.828<span class=\"_ _116\"> </span>394<span class=\"_ _fd\"> </span>1.101<span class=\"_ _10d\"> </span>94.003<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">156.101<span class=\"_ _10d\"> </span>14.554<span class=\"_ _9a\"> </span>14.973<span class=\"_ _10d\"> </span>19.425<span class=\"_ _91\"> </span>205.053<span class=\"_ _9d\"> </span></span>1,4 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">148.371<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>148.371<span class=\"_ _9d\"> </span></span>1,0 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">91.775<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>91.775<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _17b\"> </span><span class=\"ff2\">12.578<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>12.578<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span>9.335<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>9.335<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>8.407<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _9b\"> </span><span class=\"ff2\">4.003<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>4.194<span class=\"_ _11c\"> </span>8.196<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _6a\"> </span><span class=\"ff2 lse wse\">6.832<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>6.832<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">4.904<span class=\"_ _89\"> </span>255<span class=\"_ _109\"> </span>193<span class=\"_ _116\"> </span>221<span class=\"_ _fd\"> </span>5.573<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.201.558<span class=\"_ _13c\"> </span>26.852<span class=\"_ _116\"> </span>107<span class=\"_ _116\"> </span>637<span class=\"_ _112\"> </span>1.229.154<span class=\"_ _9d\"> </span><span class=\"ff4\">8,4 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.005.395<span class=\"_ _10d\"> </span>45.443<span class=\"_ _fd\"> </span>2.183<span class=\"_ _13c\"> </span>11.739<span class=\"_ _112\"> </span>1.064.761<span class=\"_ _9d\"> </span></span>7,3 %<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">513.705<span class=\"_ _10d\"> </span>47.233<span class=\"_ _89\"> </span>694<span class=\"_ _11c\"> </span>4.501<span class=\"_ _91\"> </span>566.132<span class=\"_ _9d\"> </span></span>3,9 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">461.353<span class=\"_ _10d\"> </span>11.563<span class=\"_ _89\"> </span>113<span class=\"_ _11c\"> </span>8.266<span class=\"_ _91\"> </span>481.295<span class=\"_ _9d\"> </span></span>3,3 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">370.794<span class=\"_ _fd\"> </span>8.140<span class=\"_ _fd\"> </span>2.145<span class=\"_ _fd\"> </span>4.392<span class=\"_ _91\"> </span>385.470<span class=\"_ _9d\"> </span></span>2,6 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">160.028<span class=\"_ _13c\"> </span>31.570<span class=\"_ _14e\"> </span>12<span class=\"_ _fd\"> </span>1.581<span class=\"_ _106\"> </span>193.192<span class=\"_ _9d\"> </span><span class=\"ff4\">1,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">136.169<span class=\"_ _fd\"> </span>1.038<span class=\"_ _109\"> </span>127<span class=\"_ _148\"> </span>38<span class=\"_ _91\"> </span>137.372<span class=\"_ _9d\"> </span></span>0,9 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">119.713<span class=\"_ _148\"> </span>20<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _91\"> </span></span>119.733<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">96.499<span class=\"_ _fd\"> </span>1.905<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>98.403<span class=\"_ _d3\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">56.045<span class=\"_ _116\"> </span>267<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>56.404<span class=\"_ _9d\"> </span><span class=\"ff4\">0,4 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">42.423<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">5<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>42.428<span class=\"_ _d3\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _184\"> </span><span class=\"ff2\">3.621<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>3.621<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">15.109<span class=\"_ _116\"> </span>205<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>15.320<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.466.910<span class=\"_ _12e\"> </span>855.296<span class=\"_ _113\"> </span>60.505<span class=\"_ _12e\"> </span>270.285<span class=\"_ _b6\"> </span>14.652.996<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">7.813.063<span class=\"_ _12b\"> </span>894.170<span class=\"_ _145\"> </span>55.865<span class=\"_ _12b\"> </span>301.983<span class=\"_ _8e\"> </span>9.065.082<span class=\"_ _59\"> </span><span class=\"ff4\">59,6 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">852.101<span class=\"_ _145\"> </span>10.140<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">3<span class=\"_ _99\"> </span></span>5.751<span class=\"_ _12b\"> </span>867.995<span class=\"_ _10d\"> </span></span>5,7 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">196.175<span class=\"_ _99\"> </span>9.759<span class=\"_ _d3\"> </span>714<span class=\"_ _1e3\"> </span>1.570<span class=\"_ _90\"> </span>208.218<span class=\"_ _10d\"> </span><span class=\"ff4\">1,4 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">23.899<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"wse\">402<span class=\"_ _145\"> </span>24.301<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">1.683<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>1.683<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.090<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>20.091<span class=\"_ _10d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">378.435<span class=\"_ _145\"> </span>61.655<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>23.527<span class=\"_ _90\"> </span>493.129<span class=\"_ _10d\"> </span><span class=\"ff4\">3,2 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.027<span class=\"_ _10d\"> </span></span>0,0 %     CHF<span class=\"_ _a0\"> </span><span class=\"ls2\">8<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.895<span class=\"_ _99\"> </span>1.903<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.920.973<span class=\"_ _12b\"> </span>206.396<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>20.977<span class=\"_ _ee\"> </span>4.172.304<span class=\"_ _114\"> </span><span class=\"ff4\">27,4 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">276.115<span class=\"_ _99\"> </span>1.009<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>212<span class=\"_ _90\"> </span>277.336<span class=\"_ _10d\"> </span></span>1,8 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">42.503<span class=\"_ _d3\"> </span>371<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">13<span class=\"_ _145\"> </span>42.887<span class=\"_ _10d\"> </span><span class=\"ff4\">0,3 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">7.741<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">7.741<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">715<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>715<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">15.670<span class=\"_ _d3\"> </span>128<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>6<span class=\"_ _145\"> </span></span>15.805<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.549.171<span class=\"_ _10a\"> </span>1.190.657<span class=\"_ _97\"> </span>110.053<span class=\"_ _e2\"> </span>356.337<span class=\"_ _5d\"> </span>15.206.217<span class=\"_ _111\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach W\u00e4hrungen<span class=\"_ _39f\"> </span>9<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>91<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>) de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Euro. A<span class=\"_ _2\"></span>uf S<span class=\"_ _2\"></span>chweizer <span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>2 %<span class=\"_ _39f\"> </span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>), <span class=\"_ _2\"></span>die re<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>5 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>0,4 %<span class=\"_ _2\"></span>) d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>volume<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>. Dab<span class=\"_ _2\"></span>ei s<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>der Ante<span class=\"_ _2\"></span>il de<span class=\"_ _2\"></span>r CH<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>im Eur<span class=\"_ _2\"></span>o<span class=\"_ _2\"></span>-W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgebie<span class=\"_ _2\"></span>t um <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>2 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f 1,7 %<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _4\"></span>4 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohne<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">8.046.554<span class=\"_ _12b\"> </span>611.761<span class=\"_ _145\"> </span>38.287<span class=\"_ _12b\"> </span>202.165<span class=\"_ _8e\"> </span>8.898.767<span class=\"_ _59\"> </span><span class=\"ff4\">60,7 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">575.750<span class=\"_ _145\"> </span>25.891<span class=\"_ _6a\"> </span>660<span class=\"_ _145\"> </span>10.630<span class=\"_ _90\"> </span>612.931<span class=\"_ _10d\"> </span></span>4,2 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">199.237<span class=\"_ _145\"> </span>19.933<span class=\"_ _d3\"> </span>912<span class=\"_ _1e3\"> </span>1.845<span class=\"_ _90\"> </span>221.926<span class=\"_ _10d\"> </span><span class=\"ff4\">1,5 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">21.958<span class=\"_ _6a\"> </span>254<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _d3\"> </span></span><span class=\"wse\">650<span class=\"_ _f4\"> </span>22.862<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">4.921<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>4.921<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _302\"> </span><span class=\"ff2\">2.182<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>3<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>2.185<span class=\"_ _10d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">433.669<span class=\"_ _145\"> </span>14.809<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>21.939<span class=\"_ _90\"> </span>485.583<span class=\"_ _10d\"> </span><span class=\"ff4\">3,3 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>8.407<span class=\"_ _10d\"> </span></span>0,1 %     CHF<span class=\"_ _303\"> </span><span class=\"wse\">229<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _1cc\"> </span></span><span class=\"wse\">1.900<span class=\"_ _99\"> </span>2.130<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.828.407<span class=\"_ _12b\"> </span>165.951<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>30.489<span class=\"_ _ee\"> </span>4.030.325<span class=\"_ _114\"> </span><span class=\"ff4\">27,5 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">264.591<span class=\"_ _99\"> </span>7.281<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>648<span class=\"_ _90\"> </span>272.520<span class=\"_ _10d\"> </span></span>1,9 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">59.700<span class=\"_ _d3\"> </span>281<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">11<span class=\"_ _145\"> </span>59.992<span class=\"_ _10d\"> </span><span class=\"ff4\">0,4 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">8.090<span class=\"_ _6a\"> </span>294<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">8.384<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">787<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>787<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.836<span class=\"_ _d3\"> </span>433<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>7<span class=\"_ _145\"> </span></span>21.276<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.466.910<span class=\"_ _e2\"> </span>855.296<span class=\"_ _13d\"> </span>60.505<span class=\"_ _97\"> </span>270.285<span class=\"_ _f\"> </span>14.652.996<span class=\"_ _df\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>Erhaltene Sicherhe<span class=\"_ _2\"></span>iten<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V g<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _3\"></span>t Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>Hy<span class=\"_ _2\"></span>poth<span class=\"_ _2\"></span>eke<span class=\"_ _2\"></span>n, Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i sc<span class=\"_ _2\"></span>hlec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kokl<span class=\"_ _2\"></span>assen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f ge<span class=\"_ _2\"></span>achte<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass m<span class=\"_ _2\"></span>it ab<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er Q<span class=\"_ _2\"></span>ual<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>rbo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>nied<span class=\"_ _2\"></span>rige<span class=\"_ _2\"></span>re B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sant<span class=\"_ _2\"></span>eil i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>dieser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>e werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>e Ku<span class=\"_ _2\"></span>nden zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t) ist a<span class=\"_ _2\"></span>uf b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s dur<span class=\"_ _2\"></span>chge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten z<span class=\"_ _2\"></span>ur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hinsi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>envere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _9c\"> </span>914.071<span class=\"_ _20\"> </span>56.582<span class=\"_ _9c\"> </span>309.707<span class=\"_ _d8\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.571.046<span class=\"_ _9c\"> </span>407.132<span class=\"_ _20\"> </span>31.354<span class=\"_ _9c\"> </span>101.709<span class=\"_ _13d\"> </span>3.111.240</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">91.661<span class=\"_ _214\"> </span>3.792<span class=\"_ _70\"> </span>104<span class=\"_ _70\"> </span>653<span class=\"_ _20\"> </span>96.210</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">826.864<span class=\"_ _20\"> </span>80.210<span class=\"_ _214\"> </span>6.499<span class=\"_ _1e6\"> </span>14.937<span class=\"_ _9c\"> </span>928.511</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>39,2 %<span class=\"_ _fe\"> </span>53,7 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,1 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>37,9 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,6 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">35.916<span class=\"_ _20\"> </span>16.015<span class=\"_ _214\"> </span>1.580<span class=\"_ _9c\"> </span>156.614<span class=\"_ _9c\"> </span>210.125<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">378.442<span class=\"_ _20\"> </span>68.682<span class=\"_ _1e6\"> </span>29.512<span class=\"_ _20\"> </span>25.422<span class=\"_ _9c\"> </span>502.059</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">57.252<span class=\"_ _1e6\"> </span>38.081<span class=\"_ _20\"> </span>19.831<span class=\"_ _20\"> </span>17.493<span class=\"_ _9c\"> </span>132.658</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">404<span class=\"_ _117\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>404</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _266\"> </span><span class=\"ff2\">677<span class=\"_ _80\"> </span>12<span class=\"_ _16e\"> </span>24<span class=\"_ _70\"> </span>200<span class=\"_ _70\"> </span>914</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>15,4 %<span class=\"_ _fe\"> </span>55,5 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,3 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>69,6 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>26,7 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _9c\"> </span>207.904<span class=\"_ _20\"> </span>23.958<span class=\"_ _20\"> </span>21.208<span class=\"_ _158\"> </span>4.516.788</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">225.694<span class=\"_ _1e6\"> </span>50.635<span class=\"_ _214\"> </span>5.095<span class=\"_ _70\"> </span>685<span class=\"_ _9c\"> </span>282.108</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">59.629<span class=\"_ _70\"> </span>448<span class=\"_ _70\"> </span>411<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _1e6\"> </span></span>60.489</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">111.551<span class=\"_ _214\"> </span>5.549<span class=\"_ _214\"> </span>2.858<span class=\"_ _3f\"> </span>1.166<span class=\"_ _9c\"> </span>121.124</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>28,1 %<span class=\"_ _fe\"> </span>86,5 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>105,6 %<span class=\"_ _fd\"> </span>13,8 %<span class=\"_ _fe\"> </span>31,0 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">22.128<span class=\"_ _214\"> </span>6.826<span class=\"_ _214\"> </span>1.917<span class=\"_ _3f\"> </span>9.639<span class=\"_ _20\"> </span>40.509<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.549.171<span class=\"_ _1e2\"> </span>1.190.657<span class=\"_ _91\"> </span>110.053<span class=\"_ _106\"> </span>356.337<span class=\"_ _ee\"> </span>15.206.217</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.853.991<span class=\"_ _91\"> </span>495.847<span class=\"_ _10d\"> </span>56.280<span class=\"_ _106\"> </span>119.887<span class=\"_ _111\"> </span>3.526.006</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">151.693<span class=\"_ _6a\"> </span>4.241<span class=\"_ _102\"> </span>515<span class=\"_ _102\"> </span>654<span class=\"_ _91\"> </span>157.104</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">939.093<span class=\"_ _13c\"> </span>85.772<span class=\"_ _d3\"> </span>9.381<span class=\"_ _13c\"> </span>16.303<span class=\"_ _111\"> </span>1.050.549</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>36,9 %<span class=\"_ _6b\"> </span>55,9 %<span class=\"_ _14b\"> </span>70,4 %<span class=\"_ _6b\"> </span>39,2 %<span class=\"_ _14b\"> </span>38,8 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">58.043<span class=\"_ _10d\"> </span>22.841<span class=\"_ _6a\"> </span>3.497<span class=\"_ _91\"> </span>166.253<span class=\"_ _106\"> </span>250.633<span class=\"_ _39f\"> </span></span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _9c\"> </span>657.840<span class=\"_ _20\"> </span>39.862<span class=\"_ _9c\"> </span>215.290<span class=\"_ _13d\"> </span>9.763.593</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.506.511<span class=\"_ _9c\"> </span>301.245<span class=\"_ _20\"> </span>19.104<span class=\"_ _20\"> </span>77.244<span class=\"_ _158\"> </span>2.904.104</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">85.177<span class=\"_ _214\"> </span>3.760<span class=\"_ _16e\"> </span>60<span class=\"_ _70\"> </span>648<span class=\"_ _20\"> </span>89.644</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">848.900<span class=\"_ _20\"> </span>74.193<span class=\"_ _214\"> </span>3.158<span class=\"_ _1e6\"> </span>13.253<span class=\"_ _9c\"> </span>939.504</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>38,9 %<span class=\"_ _fe\"> </span>57,6 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>56,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>42,3 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">34.281<span class=\"_ _214\"> </span>9.356<span class=\"_ _214\"> </span>1.861<span class=\"_ _9c\"> </span>108.892<span class=\"_ _9c\"> </span>154.389<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">433.898<span class=\"_ _20\"> </span>23.216<span class=\"_ _1e6\"> </span>15.165<span class=\"_ _20\"> </span>23.840<span class=\"_ _9c\"> </span>496.120</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">85.986<span class=\"_ _3f\"> </span>6.824<span class=\"_ _20\"> </span>12.433<span class=\"_ _20\"> </span>17.209<span class=\"_ _9c\"> </span>122.452</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">455<span class=\"_ _16e\"> </span>55<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>510</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _308\"> </span><span class=\"ff2\">2.017<span class=\"_ _16e\"> </span>42<span class=\"_ _32\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span></span>482<span class=\"_ _214\"> </span>2.542</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>20,4 %<span class=\"_ _fe\"> </span>29,8 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>82,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>74,2 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>25,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _9c\"> </span>174.240<span class=\"_ _214\"> </span>5.478<span class=\"_ _20\"> </span>31.155<span class=\"_ _158\"> </span>4.393.284</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">291.415<span class=\"_ _1e6\"> </span>14.665<span class=\"_ _214\"> </span>1.485<span class=\"_ _214\"> </span>2.045<span class=\"_ _9c\"> </span>309.611</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">19.083<span class=\"_ _70\"> </span>766<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>1<span class=\"_ _20\"> </span></span>19.850</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">122.621<span class=\"_ _214\"> </span>5.702<span class=\"_ _214\"> </span>1.265<span class=\"_ _3f\"> </span>1.323<span class=\"_ _9c\"> </span>130.911</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>32,1 %<span class=\"_ _fe\"> </span>29,0 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>117,3 %<span class=\"_ _fd\"> </span>19,1 %<span class=\"_ _fe\"> </span>31,9 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">23.327<span class=\"_ _214\"> </span>3.972<span class=\"_ _70\"> </span>267<span class=\"_ _20\"> </span>16.182<span class=\"_ _1e6\"> </span>43.748<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.466.910<span class=\"_ _106\"> </span>855.296<span class=\"_ _10d\"> </span>60.505<span class=\"_ _106\"> </span>270.285<span class=\"_ _ee\"> </span>14.652.996</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.883.913<span class=\"_ _91\"> </span>322.734<span class=\"_ _10d\"> </span>33.022<span class=\"_ _10d\"> </span>96.498<span class=\"_ _1e2\"> </span>3.336.167</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">104.715<span class=\"_ _6a\"> </span>4.581<span class=\"_ _150\"> </span>60<span class=\"_ _102\"> </span>648<span class=\"_ _91\"> </span>110.004</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">973.538<span class=\"_ _13c\"> </span>79.937<span class=\"_ _d3\"> </span>4.423<span class=\"_ _13c\"> </span>15.058<span class=\"_ _111\"> </span>1.072.956</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>37,3 %<span class=\"_ _6b\"> </span>54,0 %<span class=\"_ _14b\"> </span>65,4 %<span class=\"_ _6b\"> </span>43,7 %<span class=\"_ _14b\"> </span>38,6 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">57.608<span class=\"_ _10d\"> </span>13.328<span class=\"_ _6a\"> </span>2.128<span class=\"_ _91\"> </span>125.073<span class=\"_ _106\"> </span>198.138<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t<span class=\"_ _39f\"> </span>Die n<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>folge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>mit N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hsicht<span class=\"_ _2\"></span>en g<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>itqua<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t d<span class=\"_ _2\"></span>ar<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>quali<span class=\"_ _2\"></span>t\u00e4t <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d hier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>wie <span class=\"_ _2\"></span>folg<span class=\"_ _3\"></span>t unt<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Nicht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Nicht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nd<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd not<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>d<span class=\"_ _39f\"> </span></span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t zum 31<span class=\"_ _4\"></span>.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>sd. \u20ac Kreditqualit\u00e4t<span class=\"_ _148\"> </span><span class=\"ls4c ws4f\">We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>e<span class=\"_ _39f\"> </span></span>Ohne erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und nicht notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _81\"> </span><span class=\"ff2\">72.273<span class=\"_ _f4\"> </span>93.900<span class=\"_ _145\"> </span>14.047<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>180.220<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _271\"> </span><span class=\"ff2 lse wse\">1.656<span class=\"_ _99\"> </span>1.114<span class=\"_ _6a\"> </span>104<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.874<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _230\"> </span><span class=\"ff2\">34.633<span class=\"_ _145\"> </span>70.392<span class=\"_ _145\"> </span>12.258<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _90\"> </span></span>117.283<span class=\"_ _39f\"> </span></span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">6.927<span class=\"_ _99\"> </span>6.927<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.948<span class=\"_ _99\"> </span>4.948<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigt <span class=\"_ _2\"></span>und notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">13.216<span class=\"_ _f4\"> </span>13.216<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span><span class=\"lse wse\">5.184 <span class=\"_ _12c\"> </span>5.184<span class=\"_ _39f\"> </span></span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.352<span class=\"_ _99\"> </span>4.352<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _30a\"> </span>Gesamtausn\u00fctzung<span class=\"_ _121\"> </span>72.273<span class=\"_ _13d\"> </span>93.900<span class=\"_ _13d\"> </span>14.047<span class=\"_ _13d\"> </span>20.143<span class=\"_ _97\"> </span>200.363<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _4\"></span>vorsorge<span class=\"_ _2bc\"> </span>1.656<span class=\"_ _122\"> </span>1.114<span class=\"_ _fe\"> </span>104<span class=\"_ _122\"> </span>5.184<span class=\"_ _192\"> </span>8.058<span class=\"_ _39f\"> </span>Sicherheiten<span class=\"_ _166\"> </span>34.633<span class=\"_ _13d\"> </span>70.392<span class=\"_ _158\"> </span>12.258<span class=\"_ _192\"> </span>9.300<span class=\"_ _97\"> </span>126.583<span class=\"_ _39f\"> </span>Zudem <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d je K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditqu<span class=\"_ _2\"></span>alit<span class=\"_ _2\"></span>\u00e4t d<span class=\"_ _2\"></span>arg<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, wie <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>l R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e ge<span class=\"_ _2\"></span>bilde<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>urde <span class=\"_ _2\"></span>und w<span class=\"_ _2\"></span>ie ho<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>er Wer<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>er S<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>rhe<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei den <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ten R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>drei <span class=\"_ _2\"></span>Bo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n ha<span class=\"_ _2\"></span>ndel<span class=\"_ _2\"></span>t es <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>um R<span class=\"_ _2\"></span>isikovor<span class=\"_ _2\"></span>sor<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>gem\u00e4<span class=\"_ _2\"></span>\u00df I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S <span class=\"_ _2\"></span>9 Stag<span class=\"_ _2\"></span>e 1 und 2<span class=\"_ _3\"></span>. Di<span class=\"_ _2\"></span>e in d<span class=\"_ _2\"></span>er K<span class=\"_ _3\"></span>ategor<span class=\"_ _2\"></span>ie <span class=\"_ _2\"></span>\u201e<span class=\"_ _2\"></span>Not<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>\u201c a<span class=\"_ _2\"></span>ngezeig<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kovorso<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>n s<span class=\"_ _2\"></span>telle<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>chtig<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. R\u00fcck<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>. Das Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kovolumen <span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>uzier<span class=\"_ _3\"></span>te sic<span class=\"_ _2\"></span>h in <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>rich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>\u201c (<span class=\"_ _9\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _9\"></span>1 Mio. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und <span class=\"_ _2\"></span>\u201e<span class=\"_ _9\"></span>W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t und n<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c <span class=\"_ _2\"></span>(<span class=\"_ _4\"></span>\u22121<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>3 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>em Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>hinge<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>das Volumen <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i \u201e<span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>cht we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und ni<span class=\"_ _2\"></span>cht notl<span class=\"_ _2\"></span>eide<span class=\"_ _2\"></span>nd<span class=\"_ _2\"></span>\u201c (<span class=\"_ _9\"></span>+<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>,4 M<span class=\"_ _2\"></span>io. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _9\"></span>struk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von Gesch\u00e4f<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>mit Nachsichten nach K<span class=\"_ _2\"></span>reditquali<span class=\"_ _9\"></span>t\u00e4t zum 31<span class=\"_ _4\"></span>.<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Kreditqualit\u00e4t<span class=\"_ _148\"> </span><span class=\"ls4c ws4f\">We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span></span>Ohne erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und nicht notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _17a\"> </span><span class=\"ff2\">119.290<span class=\"_ _f4\"> </span>38.209<span class=\"_ _145\"> </span>10.348<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>167.847<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _271\"> </span><span class=\"ff2 lse wse\">1.214<span class=\"_ _d3\"> </span>289<span class=\"_ _6a\"> </span>495<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>1.998<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _230\"> </span><span class=\"ff2\">73.901<span class=\"_ _145\"> </span>24.779<span class=\"_ _99\"> </span>5.404<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _12b\"> </span></span>104.084<span class=\"_ _39f\"> </span></span>Nicht wer<span class=\"_ _2\"></span>tberichtig<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.047<span class=\"_ _99\"> </span>7.047<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.030<span class=\"_ _99\"> </span>7.030<span class=\"_ _39f\"> </span></span>W<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>tberichtigt <span class=\"_ _2\"></span>und notleidend<span class=\"_ _39f\"> </span>Gesamtausn\u00fctzung<span class=\"_ _309\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span><span class=\"ff2\">14.475<span class=\"_ _f4\"> </span>14.475<span class=\"_ _39f\"> </span></span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorge <span class=\"_ _19e\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span><span class=\"lse wse\">6.587<span class=\"_ _99\"> </span>6.587<span class=\"_ _39f\"> </span></span></span>Sicherheiten<span class=\"_ _ba\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"ff2\">4.779<span class=\"_ _99\"> </span>4.779<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _b4\"> </span>G<span class=\"_ _2\"></span>esamtausn\u00fctzung<span class=\"_ _6e\"> </span>119.290<span class=\"_ _13d\"> </span>38.209<span class=\"_ _13d\"> </span>10.348<span class=\"_ _13d\"> </span>21.522<span class=\"_ _97\"> </span>189.369<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _4\"></span>vorsorge<span class=\"_ _2bc\"> </span>1.214<span class=\"_ _fe\"> </span>289<span class=\"_ _fe\"> </span>495<span class=\"_ _122\"> </span>6.587<span class=\"_ _122\"> </span>8.585<span class=\"_ _39f\"> </span>Sicherheiten<span class=\"_ _166\"> </span>73.901<span class=\"_ _13d\"> </span>24.779<span class=\"_ _122\"> </span>5.404<span class=\"_ _13d\"> </span>11.810<span class=\"_ _97\"> </span>115.894<span class=\"_ _39f\"> </span>Kre<span class=\"_ _2\"></span>ditkonzentra<span class=\"_ _2\"></span>tionsrisiko<span class=\"_ _39f\"> </span>Das K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditkon<span class=\"_ _2\"></span>zentr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionsr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>set<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>hohe<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>volum<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>isiko a<span class=\"_ _2\"></span>us Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>kre<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n und d<span class=\"_ _2\"></span>em R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ilgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger<span class=\"_ _2\"></span>n zu<span class=\"_ _2\"></span>samm<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siko au<span class=\"_ _2\"></span>s hoh<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>vol<span class=\"_ _2\"></span>umina <span class=\"_ _2\"></span>ist <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>IR<span class=\"_ _2\"></span>B Gr<span class=\"_ _2\"></span>anula<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>y Ad<span class=\"_ _2\"></span>just<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P in<span class=\"_ _2\"></span>teg<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>ten s<span class=\"_ _2\"></span>owie d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>ilgung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tr<span class=\"_ _2\"></span>\u00e4ger<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>in F<span class=\"_ _2\"></span>orm <span class=\"_ _2\"></span>von Str<span class=\"_ _2\"></span>ess<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>in B<span class=\"_ _2\"></span>ezug <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken a<span class=\"_ _2\"></span>us k<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikomin<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>chni<span class=\"_ _2\"></span>ken s<span class=\"_ _2\"></span>owie a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kokonzent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tion<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>ysen<span class=\"_ _2\"></span>. F\u00fc<span class=\"_ _2\"></span>r dies<span class=\"_ _2\"></span>e Zwecke wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Stres<span class=\"_ _2\"></span>stes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f die <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>hfo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>eilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olios durchgef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Bauwesen<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Maschinenbau<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche Automotive<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Branche T<span class=\"_ _4\"></span>ourismusbe<span class=\"_ _2\"></span>triebe<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bra<span class=\"_ _2\"></span>nche <span class=\"_ _2\"></span>Sac<span class=\"_ _2\"></span>hg\u00fc<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugu<span class=\"_ _2\"></span>ng<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">W<span class=\"_ _4\"></span>ohnbaukredite<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Fremdw\u00e4hrungskredite<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gro\u00dfpos<span class=\"_ _2\"></span>ition<span class=\"_ _2\"></span>en m<span class=\"_ _2\"></span>it O<span class=\"_ _2\"></span>bligo <span class=\"_ _2\"></span>&gt; 4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>Mio. \u20ac<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsb wsb\">W<span class=\"_ _4\"></span>ohnimmobiliensicher<span class=\"_ _2\"></span>heiten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Gewerbeimmo<span class=\"_ _2\"></span>biliensicher<span class=\"_ _2\"></span>heiten<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio <span class=\"_ _2\"></span>Colle<span class=\"_ _2\"></span>c<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Stag<span class=\"_ _2\"></span>ing<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>ilpo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio <span class=\"_ _2\"></span>Bau<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger <span class=\"_ _2\"></span>mit O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lay<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Immobilienpr<span class=\"_ _2\"></span>ojek<span class=\"_ _2\"></span>te </span>Hie<span class=\"_ _2\"></span>r nic<span class=\"_ _2\"></span>ht be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>im P<span class=\"_ _2\"></span>uf<span class=\"_ _3\"></span>fer <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnung <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>ditr<span class=\"_ _2\"></span>isikos a<span class=\"_ _2\"></span>uf Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>folio<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>ne ba<span class=\"_ _2\"></span>sier<span class=\"_ _3\"></span>t vor alle<span class=\"_ _2\"></span>m auf in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>, Gr\u00f6<span class=\"_ _2\"></span>\u00dfen<span class=\"_ _2\"></span>klas<span class=\"_ _2\"></span>sen<span class=\"_ _2\"></span>, Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>, W\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en und L<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>. N<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>n der R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung st<span class=\"_ _2\"></span>ellt d<span class=\"_ _2\"></span>as Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikobe<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>ssy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>m und hie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ei vor all<span class=\"_ _2\"></span>em de<span class=\"_ _2\"></span>r quar<span class=\"_ _3\"></span>ta<span class=\"_ _2\"></span>lswe<span class=\"_ _2\"></span>ise ers<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lte K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikobe<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>cht de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V ein ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ale<span class=\"_ _2\"></span>s Steue<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>- und \u00dcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>hung<span class=\"_ _2\"></span>sins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Ent<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>eidung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ger d<span class=\"_ _2\"></span>ar<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Bete<span class=\"_ _2\"></span>iligung<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Zur Qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizier<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Be<span class=\"_ _2\"></span>teilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>sikos ver<span class=\"_ _3\"></span>wende<span class=\"_ _2\"></span>t die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V den I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>D<span class=\"_ _9\"></span>/LGD<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>nsat<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>. Wi<span class=\"_ _2\"></span>e im Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>I<span class=\"_ _2\"></span>RB<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z ste<span class=\"_ _2\"></span>llt die Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>allw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit<span class=\"_ _3\"></span>, die aus ba<span class=\"_ _2\"></span>nkin<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen R<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ings a<span class=\"_ _2\"></span>bgel<span class=\"_ _2\"></span>eite<span class=\"_ _2\"></span>t wird<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>n zentr<span class=\"_ _2\"></span>al<span class=\"_ _2\"></span>en Pa<span class=\"_ _2\"></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r f\u00fcr d<span class=\"_ _2\"></span>ie Be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hnung d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>.<span class=\"_ _39f\"> </span>Immobilie<span class=\"_ _2\"></span>nrisiko<span class=\"_ _39f\"> </span>Das P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>risiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Immo<span class=\"_ _2\"></span>bilie<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>nnt f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>ohn<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Gewe<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>eimm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd da<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>ein <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>arke<span class=\"_ _2\"></span>r Prei<span class=\"_ _2\"></span>sr\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>ang <span class=\"_ _2\"></span>am I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>dad<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>erl<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ne B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rlu<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als I<span class=\"_ _2\"></span>mmob<span class=\"_ _2\"></span>ilien<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko in d<span class=\"_ _2\"></span>er Risikotrag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4higkeit angeset<span class=\"_ _2\"></span>zt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Mark<span class=\"_ _3\"></span>trisiko<span class=\"_ _39f\"> </span>Die Ste<span class=\"_ _2\"></span>uer<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V ze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>al i<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anci<span class=\"_ _2\"></span>al Ma<span class=\"_ _2\"></span>rke<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>nom<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>. E<span class=\"_ _2\"></span>s wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>zu sowohl d<span class=\"_ _2\"></span>ie pe<span class=\"_ _2\"></span>rio<span class=\"_ _2\"></span>disc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>als a<span class=\"_ _2\"></span>uch d<span class=\"_ _2\"></span>ie su<span class=\"_ _2\"></span>bst<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>assiv<span class=\"_ _2\"></span>-Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>htig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Al<span class=\"_ _2\"></span>s zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>le Neb<span class=\"_ _2\"></span>enb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Au<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungsm<span class=\"_ _2\"></span>a\u00dfnahm<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>auf d<span class=\"_ _2\"></span>ie Rec<span class=\"_ _2\"></span>hnung<span class=\"_ _2\"></span>sle<span class=\"_ _2\"></span>gung <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h I<span class=\"_ _2\"></span>FR<span class=\"_ _2\"></span>S u<span class=\"_ _2\"></span>nd U<span class=\"_ _2\"></span>GB <span class=\"_ _2\"></span>sowie der aufsichtsrechtlichen Bestimmun<span class=\"_ _9\"></span>gen ber\u00fccksichtigt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zu de<span class=\"_ _2\"></span>n Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ma\u00dfnah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>len <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n von B<span class=\"_ _2\"></span>indu<span class=\"_ _2\"></span>ngsin<span class=\"_ _2\"></span>kongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Auss<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>as lauf<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Mo<span class=\"_ _2\"></span>nitor<span class=\"_ _2\"></span>ing d<span class=\"_ _2\"></span>er Cr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>eads <span class=\"_ _2\"></span>im Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>nos<span class=\"_ _2\"></span>tro, <span class=\"_ _2\"></span>die Si<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ef<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>\u00e4t von <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>bezi<span class=\"_ _2\"></span>ehunge<span class=\"_ _2\"></span>n, die T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>enn<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>niskomp<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>rpr<span class=\"_ _2\"></span>eiss<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tems <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>die Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tellung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jed<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00e4higkeit<span class=\"_ _2\"></span>. Zum Zweck de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>essung <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amtb<span class=\"_ _2\"></span>anke<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizier<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>en Value <span class=\"_ _2\"></span>at R<span class=\"_ _2\"></span>isk f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Zi<span class=\"_ _2\"></span>ns-<span class=\"_ _2\"></span>, Fre<span class=\"_ _2\"></span>md<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>s-, <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tien<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>s- <span class=\"_ _2\"></span>und C<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t-Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>bez<span class=\"_ _2\"></span>\u00fcglic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>s Liq<span class=\"_ _2\"></span>uidat<span class=\"_ _2\"></span>ions<span class=\"_ _2\"></span>ansa<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zes au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Ko<span class=\"_ _2\"></span>nfid<span class=\"_ _2\"></span>enzni<span class=\"_ _2\"></span>veaus <span class=\"_ _2\"></span>von <span class=\"ff2 ls2 ws1\"> </span>99,9 <span class=\"_ _2\"></span>% un<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Hal<span class=\"_ _2\"></span>teda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>von 25<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>agen<span class=\"_ _2\"></span>. Der <span class=\"_ _2\"></span>Value at R<span class=\"_ _2\"></span>isk <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>VaR) ist <span class=\"_ _2\"></span>dab<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>er Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>it e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Wahrsch<span class=\"_ _2\"></span>einlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>t \u00fcbe<span class=\"_ _2\"></span>r e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>finie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum ni<span class=\"_ _2\"></span>cht \u00fcber<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>rit<span class=\"_ _3\"></span>ten w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Value a<span class=\"_ _2\"></span>t R<span class=\"_ _2\"></span>isk w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Simul<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n ges<span class=\"_ _2\"></span>ch\u00e4t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Ba<span class=\"_ _2\"></span>sis f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie ver<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>pa<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ram<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r sin<span class=\"_ _2\"></span>d his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>e Zei<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ihen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>tz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en v<span class=\"_ _2\"></span>ier <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>re. <span class=\"_ _2\"></span>Di<span class=\"_ _2\"></span>versi<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ionse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>te z<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nzelne<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>lasse<span class=\"_ _2\"></span>n sind b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s im<span class=\"_ _2\"></span>plizit <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>hist<span class=\"_ _2\"></span>orie<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>und we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n se<span class=\"_ _2\"></span>par<span class=\"_ _2\"></span>at a<span class=\"_ _2\"></span>usgewi<span class=\"_ _2\"></span>esen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as VaR-<span class=\"_ _2\"></span>Mo<span class=\"_ _2\"></span>dell <span class=\"_ _2\"></span>l\u00e4ss<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h k<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>z wi<span class=\"_ _2\"></span>e fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t skiz<span class=\"_ _2\"></span>zieren:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Defin<span class=\"_ _2\"></span>ition <span class=\"_ _2\"></span>von R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en je <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikok<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>orie<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Zuweisung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Pro<span class=\"_ _2\"></span>duk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>zu d<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bes<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>nhan<span class=\"_ _2\"></span>d his<span class=\"_ _2\"></span>tor<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>eo<span class=\"_ _2\"></span>bac<span class=\"_ _2\"></span>htunge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Simulat<span class=\"_ _2\"></span>ion von <span class=\"_ _2\"></span>\u00c4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikof<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>oren<span class=\"_ _2\"></span>, b<span class=\"_ _2\"></span>asie<span class=\"_ _2\"></span>rend <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Neub<span class=\"_ _2\"></span>ewer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Posi<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>und B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>Gew<span class=\"_ _2\"></span>inn un<span class=\"_ _2\"></span>d Verlus<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bes<span class=\"_ _2\"></span>timmu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>VaR-<span class=\"_ _2\"></span>Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ils, <span class=\"_ _2\"></span>basi<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r G<span class=\"_ _2\"></span>ewinn<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>bzw. Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>teil<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikos w<span class=\"_ _2\"></span>ird m<span class=\"_ _2\"></span>onat<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>durchg<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>de T<span class=\"_ _9\"></span>abell<span class=\"_ _2\"></span>e zeig<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>s Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tri<span class=\"_ _2\"></span>sikos im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P:<span class=\"_ _39f\"> </span>Risiko<span class=\"_ _9\"></span>art <span class=\"_ _2\"></span><span class=\"ls2 ws1\"> </span>in Mio. \u20ac<span class=\"_ _30b\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _13e\"> </span>D<span class=\"_ _2\"></span>urchschnitt<span class=\"_ _cf\"> </span>Minimum<span class=\"_ _f0\"> </span>Maximum<span class=\"_ _b\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _30c\"> </span>202,7<span class=\"_ _6b\"> </span>175,1<span class=\"_ _6b\"> </span>138,7<span class=\"_ _6b\"> </span>213,1<span class=\"_ _1ca\"> </span>140,0<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _16b\"> </span>74,0<span class=\"_ _11b\"> </span>65,0<span class=\"_ _11b\"> </span>50,9<span class=\"_ _9d\"> </span>76,7<span class=\"_ _9d\"> </span>69,9<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _213\"> </span>6,8<span class=\"_ _11b\"> </span>13,7<span class=\"_ _116\"> </span>6,8<span class=\"_ _11b\"> </span>21,4<span class=\"_ _d3\"> </span>21,3<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _160\"> </span>27,3<span class=\"_ _11b\"> </span>20,8<span class=\"_ _11b\"> </span>14,8<span class=\"_ _11b\"> </span>27,3<span class=\"_ _d3\"> </span>14,8<span class=\"_ _39f\"> </span>Diversifikation<span class=\"_ _54\"> </span>\u2212103,7<span class=\"_ _93\"> </span>\u221292,1<span class=\"_ _192\"> </span>\u2212103,7<span class=\"_ _93\"> </span>\u221277,2<span class=\"_ _1ca\"> </span>\u221282,8<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _207\"> </span>207,0<span class=\"_ _9a\"> </span>182,5<span class=\"_ _9a\"> </span>145,8<span class=\"_ _9a\"> </span>218,0<span class=\"_ _99\"> </span>163,2<span class=\"_ _39f\"> </span>Zinsrisiko<span class=\"_ _39f\"> </span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P wi<span class=\"_ _2\"></span>rd d<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isikok<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikopot<span class=\"_ _2\"></span>enzia<span class=\"_ _2\"></span>l aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>VaR-<span class=\"_ _2\"></span>Mode<span class=\"_ _2\"></span>ll ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>\u00fcber<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>d som<span class=\"_ _2\"></span>it li<span class=\"_ _2\"></span>mitie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Gr<span class=\"_ _2\"></span>undlag<span class=\"_ _2\"></span>e da<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r is<span class=\"_ _2\"></span>t das <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>spor<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lio d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es si<span class=\"_ _2\"></span>ch au<span class=\"_ _2\"></span>s s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>zinsi<span class=\"_ _2\"></span>nduzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>a un<span class=\"_ _2\"></span>d Pa<span class=\"_ _2\"></span>ssiv<span class=\"_ _2\"></span>a sowi<span class=\"_ _2\"></span>e de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>iven Ges<span class=\"_ _2\"></span>ch\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Die<span class=\"_ _2\"></span>ses <span class=\"_ _2\"></span>Por<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olio w<span class=\"_ _2\"></span>ird <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sbind<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>in ei<span class=\"_ _2\"></span>ner zeitl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ab<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur (Z<span class=\"_ _2\"></span>insb<span class=\"_ _2\"></span>indung<span class=\"_ _2\"></span>sbil<span class=\"_ _2\"></span>anz) zusamm<span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Mess<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s Zin<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>sikos au<span class=\"_ _2\"></span>f G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mtba<span class=\"_ _2\"></span>nkebe<span class=\"_ _2\"></span>ne <span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>t monatlich stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>ie Z<span class=\"_ _2\"></span>insbin<span class=\"_ _2\"></span>dung<span class=\"_ _2\"></span>sga<span class=\"_ _2\"></span>ps im <span class=\"_ _2\"></span>Bank<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>h je <span class=\"_ _2\"></span>W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Zinsbindu<span class=\"_ _9\"></span>ngsgaps im Bankbuch <span class=\"_ _2\"></span>je W\u00e4hrung per 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in Mio. \u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _c6\"> </span><span class=\"ws1\">1 \u2013 2 Jahre<span class=\"_ _8e\"> </span>2 \u2013 3 Jahre<span class=\"_ _8e\"> </span>3 \u2013 5 Jahre<span class=\"_ _ee\"> </span>5 \u2013 7 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f6\"> </span>7 \u2013 10 Jahre<span class=\"_ _127\"> </span><span class=\"ls2\">&gt; 10 Jahre<span class=\"_ _39f\"> </span></span></span>EUR<span class=\"_ _302\"> </span><span class=\"ff4 lse wse\">17,1<span class=\"_ _9a\"> </span>\u2212127,4<span class=\"_ _fd\"> </span>207,2<span class=\"_ _fd\"> </span>280,5<span class=\"_ _183\"> </span>\u22126,5<span class=\"_ _183\"> </span>46,0<span class=\"_ _39f\"> </span></span>CHF<span class=\"_ _24d\"> </span><span class=\"ff4\">25,9<span class=\"_ _6d\"> </span>23,8<span class=\"_ _6d\"> </span>59,6<span class=\"_ _6d\"> </span>10,0<span class=\"_ _6d\"> </span>10,3<span class=\"_ _70\"> </span>5,0<span class=\"_ _39f\"> </span></span>USD<span class=\"_ _30d\"> </span><span class=\"ff4\">20,9<span class=\"_ _119\"> </span>\u22120,9<span class=\"_ _119\"> </span>\u22120,4<span class=\"_ _119\"> </span>\u22120,4<span class=\"_ _119\"> </span>\u22120,5<span class=\"_ _119\"> </span>\u22121,0<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _266\"> </span>63,9<span class=\"_ _12c\"> </span><span class=\"ff6f9\">\u2212104,5<span class=\"_ _20\"> </span></span>266,4<span class=\"_ _57\"> </span>290,2<span class=\"_ _102\"> </span>3,3<span class=\"_ _214\"> </span>50,0<span class=\"_ _39f\"> </span>Zinsbindu<span class=\"_ _9\"></span>ngsgaps im Bankbuch <span class=\"_ _2\"></span>je W\u00e4hrung per 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in Mio. \u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _c6\"> </span><span class=\"ws1\">1 \u2013 2 Jahre<span class=\"_ _8e\"> </span>2 \u2013 3 Jahre<span class=\"_ _8e\"> </span>3 \u2013 5 Jahre<span class=\"_ _ee\"> </span>5 \u2013 7 J<span class=\"_ _2\"></span>ahre<span class=\"_ _f6\"> </span>7 \u2013 10 Jahre<span class=\"_ _127\"> </span><span class=\"ls2\">&gt; 10 Jahre<span class=\"_ _39f\"> </span></span></span>EUR<span class=\"_ _302\"> </span><span class=\"ff4 lse wse\">15,7<span class=\"_ _fd\"> </span>170,5<span class=\"_ _fd\"> </span>\u221236,9<span class=\"_ _fd\"> </span>177,3<span class=\"_ _fd\"> </span>102,8<span class=\"_ _183\"> </span>98,6<span class=\"_ _39f\"> </span></span>CHF<span class=\"_ _24d\"> </span><span class=\"ff4\">38,0<span class=\"_ _6d\"> </span>19,5<span class=\"_ _6d\"> </span>50,9<span class=\"_ _70\"> </span>9,4<span class=\"_ _70\"> </span>3,7<span class=\"_ _95\"> </span>0,0<span class=\"_ _39f\"> </span></span>USD<span class=\"_ _190\"> </span><span class=\"ff4\">9,9<span class=\"_ _183\"> </span>\u22123,7<span class=\"_ _119\"> </span>\u22120,2<span class=\"_ _119\"> </span>\u22123,0<span class=\"_ _70\"> </span>0,0<span class=\"_ _70\"> </span>0,0<span class=\"_ _39f\"> </span></span>Gesamt<span class=\"_ _266\"> </span>63,6<span class=\"_ _57\"> </span>186,4<span class=\"_ _214\"> </span>13,9<span class=\"_ _57\"> </span>183,6<span class=\"_ _57\"> </span>106,5<span class=\"_ _3f\"> </span>98,6<span class=\"_ _39f\"> </span>Credit-Spre<span class=\"_ _2\"></span>ad-<span class=\"_ _3\"></span>Risiko<span class=\"_ _39f\"> </span>Das Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>rp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>o \u00fcbe<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>n hi<span class=\"_ _2\"></span>stor<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>Value<span class=\"_ _2\"></span>-a<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>k-A<span class=\"_ _2\"></span>nsa<span class=\"_ _2\"></span>tz <span class=\"_ _2\"></span>qua<span class=\"_ _2\"></span>ntifi<span class=\"_ _2\"></span>zier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit S<span class=\"_ _2\"></span>prea<span class=\"_ _2\"></span>ds e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>dite <span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>er Re<span class=\"_ _2\"></span>ndite <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r r<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>en Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve. D<span class=\"_ _2\"></span>ie Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>dite <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dabe<span class=\"_ _2\"></span>i au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Rend<span class=\"_ _2\"></span>itek<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve des <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Rendi<span class=\"_ _2\"></span>tek<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve <span class=\"_ _2\"></span>von A<span class=\"_ _2\"></span>nleih<span class=\"_ _2\"></span>en mit g<span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>mse<span class=\"_ _2\"></span>lben <span class=\"_ _2\"></span>Br<span class=\"_ _2\"></span>anc<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>sek<span class=\"_ _3\"></span>tor e<span class=\"_ _2\"></span>ntno<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kofr<span class=\"_ _2\"></span>eie Z<span class=\"_ _2\"></span>ins <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er O<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>nig<span class=\"_ _2\"></span>ht-<span class=\"_ _2\"></span>In<span class=\"_ _2\"></span>dex-Swa<span class=\"_ _2\"></span>p<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve abgeleitet<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>verl<span class=\"_ _2\"></span>ust <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>papie<span class=\"_ _2\"></span>re a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>s Ans<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>gs <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds um <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>asisp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>r T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>e aufgeschl\u00fcsselt nac<span class=\"_ _2\"></span>h Bilanzkategorien d<span class=\"_ _2\"></span>argestellt<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Credit-Spread-Risik<span class=\"_ _4\"></span>o in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _27d\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _ef\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>Zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _2\"></span>tete finanzielle Verm\u00f6genswerte<span class=\"_ _21f\"> </span>\u2212436,2<span class=\"_ _9a\"> </span>\u2212267,8<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgswirksam <span class=\"_ _2\"></span>zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewertete finanzielle <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _30e\"> </span>\u221212,1<span class=\"_ _fe\"> </span>\u221213,6<span class=\"_ _39f\"> </span>Im sonstigen Ergebnis a<span class=\"_ _2\"></span>usgewiesene zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tete finanzielle Verm\u00f6genswerte<span class=\"_ _102\"> </span>\u221285,2<span class=\"_ _d4\"> </span>\u221283,4<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _30f\"> </span><span class=\"ff6f9\">\u2212533,5<span class=\"_ _113\"> </span>\u2212364,8<span class=\"_ _39f\"> </span></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienkur<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>ursr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t mi<span class=\"_ _2\"></span>thilf<span class=\"_ _2\"></span>e e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Value<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes<span class=\"_ _2\"></span>. H<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nzelt<span class=\"_ _2\"></span>itel dire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>en je<span class=\"_ _2\"></span>weilige<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>ursh<span class=\"_ _2\"></span>isto<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n zuge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Messu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tien<span class=\"_ _2\"></span>kur<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiken <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>banke<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>e fin<span class=\"_ _2\"></span>det <span class=\"_ _2\"></span>mona<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h stat<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremdw\u00e4h<span class=\"_ _2\"></span>rungsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V is<span class=\"_ _2\"></span>t b<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>reb<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>of<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en D<span class=\"_ _2\"></span>evis<span class=\"_ _2\"></span>enp<span class=\"_ _2\"></span>ositio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>m\u00f6gl<span class=\"_ _2\"></span>ichs<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>szugl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP <span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten Fr<span class=\"_ _2\"></span>emd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r pos<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>ven B<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en in <span class=\"_ _2\"></span>Frem<span class=\"_ _2\"></span>dw\u00e4<span class=\"_ _2\"></span>hru<span class=\"_ _2\"></span>ng au<span class=\"_ _2\"></span>f. Die Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>tifi<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>es Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sikos e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>alls <span class=\"_ _2\"></span>anha<span class=\"_ _2\"></span>nd e<span class=\"_ _2\"></span>ines <span class=\"_ _2\"></span>his<span class=\"_ _2\"></span>tori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Value<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>at-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-<span class=\"_ _2\"></span>Ans<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>zes<span class=\"_ _2\"></span>. Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>abe<span class=\"_ _2\"></span>lle <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ansch<span class=\"_ _2\"></span>aulic<span class=\"_ _2\"></span>ht di<span class=\"_ _2\"></span>e gr<span class=\"_ _2\"></span>\u00f6\u00dften o<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n D<span class=\"_ _2\"></span>evise<span class=\"_ _2\"></span>npos<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>2024 im Vergle<span class=\"_ _2\"></span>ich <span class=\"_ _2\"></span>zum Vorjahr<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Offen<span class=\"_ _2\"></span>e Devisenposition in T<span class=\"_ _10\"></span>sd. \u20ac<span class=\"_ _310\"> </span><span class=\"wse\">31.12.2024<span class=\"_ _ef\"> </span></span><span class=\"ls2\">31.12.2023<span class=\"_ _39f\"> </span></span>Schweiz<span class=\"_ _9\"></span>er Franken (CHF)<span class=\"_ _1fb\"> </span><span class=\"ff2\">2.607<span class=\"_ _fd\"> </span>3.852<span class=\"_ _39f\"> </span></span>US-Dollar (USD)<span class=\"_ _311\"> </span><span class=\"ff2\">1.926<span class=\"_ _fd\"> </span>2.039<span class=\"_ _39f\"> </span></span>Pfund Sterling (GB<span class=\"_ _2\"></span>P)<span class=\"_ _312\"> </span><span class=\"ff2\">226<span class=\"_ _148\"> </span>12<span class=\"_ _39f\"> </span></span>Zloty <span class=\"_ _2\"></span>(PLN)<span class=\"_ _313\"> </span><span class=\"ff2\">109<span class=\"_ _116\"> </span>297<span class=\"_ _39f\"> </span></span>Kanadischer <span class=\"_ _2\"></span>Dollar (CAD)<span class=\"_ _23a\"> </span><span class=\"ff2\">90<span class=\"_ _fd\"> </span>3.399<span class=\"_ _39f\"> </span></span>Refinanzier<span class=\"_ _2\"></span>ungsr<span class=\"_ _2\"></span>isiko im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP<span class=\"_ _39f\"> </span>Zur Er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lung d<span class=\"_ _2\"></span>es L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>e K<span class=\"_ _2\"></span>api<span class=\"_ _2\"></span>tal<span class=\"_ _2\"></span>bindu<span class=\"_ _2\"></span>ngsb<span class=\"_ _2\"></span>ilanz <span class=\"_ _2\"></span>bzw. Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>blau<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>bil<span class=\"_ _2\"></span>anz e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>abl<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>bilanz <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Li<span class=\"_ _2\"></span>quidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sg<span class=\"_ _2\"></span>aps e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h die <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ank \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nom<span class=\"_ _2\"></span>mene <span class=\"_ _2\"></span>Funk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fris<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>for<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>on un<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>aus E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sgesic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>bew<span class=\"_ _2\"></span>usst <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>en Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>teni<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sab<span class=\"_ _2\"></span>lauf<span class=\"_ _3\"></span>bila<span class=\"_ _2\"></span>nz werde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Einza<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>vsei<span class=\"_ _2\"></span>te de<span class=\"_ _2\"></span>r Bi<span class=\"_ _2\"></span>lanz <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>k\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>usza<span class=\"_ _2\"></span>hlunge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Pa<span class=\"_ _2\"></span>ssivs<span class=\"_ _2\"></span>eite <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bila<span class=\"_ _2\"></span>nz ge<span class=\"_ _2\"></span>gen\u00fc<span class=\"_ _2\"></span>ber<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese Ei<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ausz<span class=\"_ _2\"></span>ahlunge<span class=\"_ _2\"></span>n we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>hin <span class=\"_ _2\"></span>in L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itb<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r zei<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h geg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Das Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siko im <span class=\"_ _2\"></span>IC<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP w<span class=\"_ _2\"></span>ird q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie Sum<span class=\"_ _2\"></span>me<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der Ver<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Refi<span class=\"_ _2\"></span>nanzi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>essb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Err<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>ung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Zie<span class=\"_ _2\"></span>l-<span class=\"_ _3\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>r </span>(<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>nhan<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>iel<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>SF<span class=\"_ _2\"></span>R-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>o<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>und<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">der Ver<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Refi<span class=\"_ _2\"></span>nanzi<span class=\"_ _2\"></span>eru<span class=\"_ _2\"></span>ngskos<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>essb<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>Rollie<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sga<span class=\"_ _2\"></span>ps um e<span class=\"_ _2\"></span>in J<span class=\"_ _2\"></span>ahr.<span class=\"_ _39f\"> </span></span>Die Str<span class=\"_ _2\"></span>essbe<span class=\"_ _2\"></span>ding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n werde<span class=\"_ _2\"></span>n im Ra<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n der Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung des Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos als ei<span class=\"_ _2\"></span>ne Aus<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>ung der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V-spe<span class=\"_ _2\"></span>zifi<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>sche<span class=\"_ _2\"></span>n Cred<span class=\"_ _2\"></span>it Spr<span class=\"_ _2\"></span>eads d<span class=\"_ _2\"></span>efi<span class=\"_ _2\"></span>nier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, wobe<span class=\"_ _2\"></span>i die Aus<span class=\"_ _2\"></span>weit<span class=\"_ _2\"></span>ung aus e<span class=\"_ _2\"></span>iner K<span class=\"_ _2\"></span>ombin<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n (Aggr<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on<span class=\"_ _9\"></span>) aus der Cr<span class=\"_ _2\"></span>edit-<span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ads<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>weitu<span class=\"_ _2\"></span>ng auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und d<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>ating<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Downg<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ades (<span class=\"_ _2\"></span>Bon<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lec<span class=\"_ _2\"></span>hter<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>) und jen<span class=\"_ _2\"></span>er au<span class=\"_ _2\"></span>fg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>nd ein<span class=\"_ _2\"></span>er Verschl<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ung des a<span class=\"_ _2\"></span>llgem<span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>umfe<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>s resul<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>org<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>ise (K<span class=\"_ _2\"></span>oste<span class=\"_ _2\"></span>n f\u00fcr E<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>ichu<span class=\"_ _2\"></span>ng Ziel<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Refina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur un<span class=\"_ _2\"></span>d Rollie<span class=\"_ _2\"></span>rung von L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sg<span class=\"_ _2\"></span>aps um ein J<span class=\"_ _2\"></span>ahr) lieg<span class=\"_ _3\"></span>t die Ann<span class=\"_ _2\"></span>ahme z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>, dass d<span class=\"_ _2\"></span>ie Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sposi<span class=\"_ _2\"></span>tioni<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung nach E<span class=\"_ _2\"></span>rre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er Zi<span class=\"_ _2\"></span>el<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Re<span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur bewu<span class=\"_ _2\"></span>sst e<span class=\"_ _2\"></span>ingeg<span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>n wir<span class=\"_ _2\"></span>d, um au<span class=\"_ _2\"></span>s Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>sgesi<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>spu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n die Funk<span class=\"_ _3\"></span>tion d<span class=\"_ _2\"></span>er Fr<span class=\"_ _2\"></span>iste<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion zu \u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko aus dem Gesch\u00e4f<span class=\"_ _3\"></span>tsmodell<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>vie<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikof<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n ide<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>re W<span class=\"_ _2\"></span>irk<span class=\"_ _2\"></span>ung a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>as G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>mode<span class=\"_ _2\"></span>ll d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ein<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>oten<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ziell<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven Ein<span class=\"_ _2\"></span>fluss <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V h<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n k\u00f6nn<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>ese s<span class=\"_ _2\"></span>ind Wet<span class=\"_ _2\"></span>tbe<span class=\"_ _2\"></span>werb, <span class=\"_ _2\"></span>Subs<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>utio<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Regul<span class=\"_ _2\"></span>ator<span class=\"_ _2\"></span>ik und Re<span class=\"_ _2\"></span>cht s<span class=\"_ _2\"></span>owie N<span class=\"_ _2\"></span>ac<span class=\"_ _2\"></span>hf<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>e. I<span class=\"_ _2\"></span>m Zug<span class=\"_ _2\"></span>e ein<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>onte<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ca<span class=\"_ _2\"></span>rlo<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Sim<span class=\"_ _2\"></span>ulati<span class=\"_ _2\"></span>on wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die Ei<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sw<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>einli<span class=\"_ _2\"></span>chkei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Verlus<span class=\"_ _2\"></span>t-<span class=\"_ _39f\"> </span>h\u00f6he <span class=\"_ _2\"></span>diese<span class=\"_ _2\"></span>r Er<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isse s<span class=\"_ _2\"></span>imulie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und e<span class=\"_ _2\"></span>in p<span class=\"_ _2\"></span>otenzie<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>r Wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Oper<span class=\"_ _2\"></span>ationelles Risiko<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wu<span class=\"_ _2\"></span>rde e<span class=\"_ _2\"></span>in R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>ntpr<span class=\"_ _2\"></span>ozess ent<span class=\"_ _3\"></span>wicke<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>sowohl q<span class=\"_ _2\"></span>uali<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive al<span class=\"_ _2\"></span>s auc<span class=\"_ _2\"></span>h qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>tat<span class=\"_ _2\"></span>ive M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>oden <span class=\"_ _2\"></span>anwen<span class=\"_ _2\"></span>det<span class=\"_ _2\"></span>. F\u00fcr be<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>eten<span class=\"_ _2\"></span>e Sc<span class=\"_ _2\"></span>h\u00e4de<span class=\"_ _2\"></span>n ex<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t ei<span class=\"_ _2\"></span>ne S<span class=\"_ _2\"></span>chad<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alld<span class=\"_ _2\"></span>aten<span class=\"_ _2\"></span>bank<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r al<span class=\"_ _2\"></span>le Sc<span class=\"_ _2\"></span>had<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>lt we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Nac<span class=\"_ _2\"></span>h Anal<span class=\"_ _2\"></span>yse <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Sch\u00e4<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>spre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Ma\u00dfna<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, u<span class=\"_ _2\"></span>m das <span class=\"_ _2\"></span>zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige Verlus<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>zu min<span class=\"_ _2\"></span>imie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>. Er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>\u00e4nz<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird diese<span class=\"_ _2\"></span>r An<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>um die <span class=\"_ _2\"></span>Dur<span class=\"_ _2\"></span>chf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung von <span class=\"_ _2\"></span>soge<span class=\"_ _2\"></span>nann<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Self-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>sse<span class=\"_ _2\"></span>ssme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr da<span class=\"_ _2\"></span>s op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isiko, b<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n all<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>und rele<span class=\"_ _2\"></span>vant<span class=\"_ _2\"></span>en T<span class=\"_ _9\"></span>ochte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>sell<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. Prozesse <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>m\u00f6gl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>elle <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>suc<span class=\"_ _2\"></span>ht wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>iken we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n in For<span class=\"_ _2\"></span>m von I<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>iews e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd an<span class=\"_ _2\"></span>schli<span class=\"_ _2\"></span>e\u00dfe<span class=\"_ _2\"></span>nd \u2013 <span class=\"_ _2\"></span>soweit <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>\u2013 inte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>e Pr<span class=\"_ _2\"></span>ozesse und <span class=\"_ _2\"></span>Syste<span class=\"_ _2\"></span>me ang<span class=\"_ _2\"></span>epa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. Im I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>P nu<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung<span class=\"_ _2\"></span>san<span class=\"_ _2\"></span>sat<span class=\"_ _2\"></span>z <span class=\"_ _2\"></span>(\u201e<span class=\"_ _2\"></span>Loss D<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>rib<span class=\"_ _2\"></span>utio<span class=\"_ _2\"></span>n Ap<span class=\"_ _2\"></span>proa<span class=\"_ _2\"></span>ch \u2013 <span class=\"_ _2\"></span>LDA<span class=\"_ _4\"></span>\u201c) <span class=\"_ _2\"></span>zur Q<span class=\"_ _2\"></span>uant<span class=\"_ _2\"></span>ifizi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s op<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>atio<span class=\"_ _3\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>nell<span class=\"_ _2\"></span>en R<span class=\"_ _2\"></span>isikos<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as R<span class=\"_ _2\"></span>isikom<span class=\"_ _2\"></span>a\u00df, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikot<span class=\"_ _2\"></span>rag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t w<span class=\"_ _2\"></span>ird, <span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r une<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Verlus<span class=\"_ _2\"></span>t \u00fcb<span class=\"_ _2\"></span>er eine<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>thor<span class=\"_ _2\"></span>izont <span class=\"_ _2\"></span>von e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Jah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>da <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V den <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>t dur<span class=\"_ _2\"></span>ch ih<span class=\"_ _2\"></span>re in<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>ch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>angem<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sen <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>keit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ung be<span class=\"_ _2\"></span>r\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. Anh<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>une<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st a<span class=\"_ _2\"></span>us d<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enz z<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>isc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>99,<span class=\"_ _2\"></span>9 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Q<span class=\"_ _2\"></span>uan<span class=\"_ _2\"></span>til u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>m e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _3\"></span>t unte<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m Le<span class=\"_ _2\"></span>itp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>digm<span class=\"_ _2\"></span>a ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>robus<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, h<span class=\"_ _2\"></span>inre<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>nd s<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>bile<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>kosens<span class=\"_ _2\"></span>iti<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d ri<span class=\"_ _2\"></span>sikokons<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>vat<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung<span class=\"_ _2\"></span>, welch<span class=\"_ _2\"></span>e auc<span class=\"_ _2\"></span>h se<span class=\"_ _2\"></span>lte<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. noch <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>e Verlust<span class=\"_ _2\"></span>e bz<span class=\"_ _2\"></span>w. Ex<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>mer<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>isse b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>chtig<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>azu kom<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>m Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>E<span class=\"_ _2\"></span>x<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>emwer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>eor<span class=\"_ _2\"></span>ie zu<span class=\"_ _2\"></span>m Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>ust<span class=\"_ _3\"></span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilung <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>im\u00e4r <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>llier<span class=\"_ _2\"></span>ung der <span class=\"_ _2\"></span>hist<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk-S<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>dens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e se<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>m J<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>20<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>5.<span class=\"_ _39f\"> </span>Steuerung des operationellen Risikos<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _3\"></span>vors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>d is<span class=\"_ _2\"></span>t f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e Op<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-Str<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egie <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ich un<span class=\"_ _2\"></span>d tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amt<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tung f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>komanag<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>nt und s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r das <span class=\"_ _2\"></span>Man<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt d<span class=\"_ _2\"></span>es o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikos in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. Das T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>am Gover<span class=\"_ _2\"></span>nan<span class=\"_ _2\"></span>ce &amp; Ri<span class=\"_ _2\"></span>sk Man<span class=\"_ _2\"></span>ageme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche<span class=\"_ _2\"></span>s org<span class=\"_ _2\"></span>ani<span class=\"_ _2\"></span>sato<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ch dem B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>me<span class=\"_ _2\"></span>nt zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t ist<span class=\"_ _3\"></span>, ist e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s f\u00fcr d<span class=\"_ _2\"></span>ie sy<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>sche I<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>n oper<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>ller R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>ken im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n des j<span class=\"_ _2\"></span>\u00e4hrl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Sel<span class=\"_ _2\"></span>f-<span class=\"_ _2\"></span>Ass<span class=\"_ _2\"></span>essme<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>s und an<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ers<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>s f<span class=\"_ _2\"></span>\u00fcr die Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ung und \u00dc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r durch d<span class=\"_ _2\"></span>ie Mit<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>beit<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>*inn<span class=\"_ _2\"></span>en ge<span class=\"_ _2\"></span>mel<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n Sch<span class=\"_ _2\"></span>aden<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>lle und d<span class=\"_ _2\"></span>as dami<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>bunde<span class=\"_ _2\"></span>ne B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wesen im Zusam<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>hang mit d<span class=\"_ _2\"></span>er Steu<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung der o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen S<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>dens<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4ll<span class=\"_ _2\"></span>e ver<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>h. D<span class=\"_ _2\"></span>ie An<span class=\"_ _2\"></span>alys<span class=\"_ _2\"></span>e der e<span class=\"_ _2\"></span>inzelne<span class=\"_ _2\"></span>n Sc<span class=\"_ _2\"></span>hade<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle sowie von Au<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>en hins<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>lich de<span class=\"_ _2\"></span>r Ent<span class=\"_ _3\"></span>wick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>s ope<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Risi<span class=\"_ _2\"></span>kos wird in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V d<span class=\"_ _2\"></span>urch d<span class=\"_ _2\"></span>en Op<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isk-V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ant<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tli<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>che<span class=\"_ _2\"></span>n geme<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>am mit de<span class=\"_ _2\"></span>m Prozess<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>ant<span class=\"_ _3\"></span>wor<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n wahr<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>nomme<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>. Gem<span class=\"_ _2\"></span>eins<span class=\"_ _2\"></span>am werd<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>isikomi<span class=\"_ _2\"></span>nimie<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>de Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n fes<span class=\"_ _2\"></span>tge<span class=\"_ _2\"></span>leg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>ren U<span class=\"_ _2\"></span>mset<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>ung im Ans<span class=\"_ _2\"></span>chlus<span class=\"_ _2\"></span>s durch d<span class=\"_ _2\"></span>en O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk-V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tlic<span class=\"_ _2\"></span>hen \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>wac<span class=\"_ _2\"></span>ht wird<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>In de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V is<span class=\"_ _2\"></span>t ein O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk- und I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S<span class=\"_ _3\"></span>-<span class=\"_ _2\"></span>Ko<span class=\"_ _2\"></span>mite<span class=\"_ _2\"></span>e einge<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>es sich a<span class=\"_ _2\"></span>us z<span class=\"_ _2\"></span>wei Vorst<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>n (Chief Ri<span class=\"_ _2\"></span>sk O<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span>cer un<span class=\"_ _2\"></span>d Chie<span class=\"_ _2\"></span>f Ope<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ting Of<span class=\"_ _3\"></span>fic<span class=\"_ _2\"></span>er) und den B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>slei<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>n f\u00fc<span class=\"_ _2\"></span>r Or<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>nisat<span class=\"_ _2\"></span>ion &amp; I<span class=\"_ _2\"></span>T<span class=\"_ _9\"></span>, Konzer<span class=\"_ _2\"></span>nre<span class=\"_ _2\"></span>chn<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>wese<span class=\"_ _2\"></span>n &amp; -<span class=\"_ _2\"></span>cont<span class=\"_ _2\"></span>rolli<span class=\"_ _2\"></span>ng<span class=\"_ _2\"></span>, R<span class=\"_ _2\"></span>isk Ma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment u<span class=\"_ _2\"></span>nd Pro<span class=\"_ _2\"></span>jek<span class=\"_ _2\"></span>t-<span class=\"_ _2\"></span>, Prozess<span class=\"_ _2\"></span>- &amp; Innov<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>onsma<span class=\"_ _2\"></span>nage<span class=\"_ _2\"></span>ment z<span class=\"_ _2\"></span>usamm<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. I<span class=\"_ _2\"></span>n diese<span class=\"_ _2\"></span>m Komi<span class=\"_ _2\"></span>tee we<span class=\"_ _2\"></span>rden we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>e Op<span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>k-<span class=\"_ _2\"></span>Ere<span class=\"_ _2\"></span>igniss<span class=\"_ _2\"></span>e bes<span class=\"_ _2\"></span>proc<span class=\"_ _2\"></span>hen un<span class=\"_ _2\"></span>d Fes<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>gung<span class=\"_ _2\"></span>en im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang m<span class=\"_ _2\"></span>it de<span class=\"_ _2\"></span>r Steue<span class=\"_ _2\"></span>rung von o<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>llen R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n. Eb<span class=\"_ _2\"></span>enf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>s wird di<span class=\"_ _2\"></span>e Umse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>en Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>urch d<span class=\"_ _2\"></span>ie Zusa<span class=\"_ _2\"></span>mmen<span class=\"_ _2\"></span>leg<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>era<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n f\u00fcr d<span class=\"_ _2\"></span>as I<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S und O<span class=\"_ _2\"></span>pR<span class=\"_ _2\"></span>isk im T<span class=\"_ _9\"></span>eam Gove<span class=\"_ _2\"></span>r-<span class=\"_ _39f\"> </span>nance &amp; R<span class=\"_ _2\"></span>isk M<span class=\"_ _2\"></span>anage<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n in de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V Syne<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ien de<span class=\"_ _2\"></span>s IK<span class=\"_ _3\"></span>S (In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mati<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n zur Ri<span class=\"_ _2\"></span>siko<span class=\"_ _2\"></span>- und K<span class=\"_ _2\"></span>ontr<span class=\"_ _2\"></span>ollsi<span class=\"_ _2\"></span>tua<span class=\"_ _2\"></span>tion) und OpR<span class=\"_ _2\"></span>isk (In<span class=\"_ _2\"></span>for<span class=\"_ _2\"></span>mat<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n aus de<span class=\"_ _2\"></span>r Scha<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>sf<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>anal<span class=\"_ _2\"></span>yse) im Rahme<span class=\"_ _2\"></span>n der R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>\u00fche<span class=\"_ _2\"></span>rken<span class=\"_ _2\"></span>nung ge<span class=\"_ _2\"></span>nut<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Sonstige und nicht quantifizierbare Risiken<span class=\"_ _39f\"> </span>F\u00fcr so<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>ige un<span class=\"_ _2\"></span>d nic<span class=\"_ _2\"></span>ht qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>re R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n wi<span class=\"_ _2\"></span>rd ei<span class=\"_ _2\"></span>n Pu<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>vorge<span class=\"_ _2\"></span>halt<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Zu di<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>z\u00e4h<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>ter a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rem <span class=\"_ _2\"></span>auch <span class=\"_ _2\"></span>das sys<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>misch<span class=\"_ _2\"></span>e R<span class=\"_ _2\"></span>isiko. D<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>s wi<span class=\"_ _2\"></span>rd un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>em A<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>as F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzs<span class=\"_ _2\"></span>ys<span class=\"_ _2\"></span>tem e<span class=\"_ _2\"></span>inge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>baut <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>dem Abwic<span class=\"_ _2\"></span>klung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>lan f<span class=\"_ _2\"></span>\u00fcr <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V au<span class=\"_ _2\"></span>f.<span class=\"_ _39f\"> </span>Konzentr<span class=\"_ _2\"></span>ationsr<span class=\"_ _2\"></span>isiken<span class=\"_ _39f\"> </span>In d<span class=\"_ _2\"></span>er \u00f6<span class=\"_ _2\"></span>konomi<span class=\"_ _2\"></span>sche<span class=\"_ _2\"></span>n Per<span class=\"_ _2\"></span>spe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>ve wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ken \u00fc<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>VaR-M<span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>lle bz<span class=\"_ _2\"></span>w. alte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Mess<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n ab<span class=\"_ _2\"></span>gebil<span class=\"_ _2\"></span>det<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Qua<span class=\"_ _2\"></span>nti<span class=\"_ _2\"></span>fi<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>n um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>assen <span class=\"_ _2\"></span>s\u00e4m<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>he B<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>buch<span class=\"_ _2\"></span>- <span class=\"_ _2\"></span>sowie <span class=\"_ _2\"></span>Han<span class=\"_ _2\"></span>dels<span class=\"_ _2\"></span>buc<span class=\"_ _2\"></span>hposi<span class=\"_ _2\"></span>tione<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>Rah<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikotr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higke<span class=\"_ _2\"></span>it we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>die qu<span class=\"_ _2\"></span>anti<span class=\"_ _2\"></span>fizie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Ri<span class=\"_ _2\"></span>sikoar<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>summie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>sod<span class=\"_ _2\"></span>ass ke<span class=\"_ _2\"></span>ine D<span class=\"_ _2\"></span>iver<span class=\"_ _2\"></span>si<span class=\"_ _2\"></span>fik<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>sef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>omme<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>. K<span class=\"_ _2\"></span>onzen<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ation<span class=\"_ _2\"></span>sri<span class=\"_ _2\"></span>siken z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isi<span class=\"_ _2\"></span>koar<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>(I<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>konze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ion<span class=\"_ _2\"></span>en<span class=\"_ _9\"></span>) wer<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>n som<span class=\"_ _2\"></span>it i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikoag<span class=\"_ _3\"></span>gr<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>on ko<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>v<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikokonze<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>inne<span class=\"_ _2\"></span>rh<span class=\"_ _2\"></span>alb d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n (I<span class=\"_ _2\"></span>ntr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isikokon<span class=\"_ _2\"></span>zentr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n von St<span class=\"_ _2\"></span>ress<span class=\"_ _2\"></span>tes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>h<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>net <span class=\"_ _2\"></span>und i<span class=\"_ _2\"></span>m R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tres<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>n R<span class=\"_ _2\"></span>isikotr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00e4higk<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>sre<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ng be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>htet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>limi<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t un<span class=\"_ _2\"></span>d Ma\u00dfn<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>kennt<span class=\"_ _2\"></span>nisse<span class=\"_ _2\"></span>n abgeleitet<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-574": {
   "value": "Risiko einer Anpassun<span class=\"_ _9\"></span>g der K<span class=\"_ _2\"></span>reditbewer<span class=\"_ _2\"></span>tung<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>npas<span class=\"_ _2\"></span>sung e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ng wir<span class=\"_ _2\"></span>d als <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>s Por<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>os von G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>mit e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ge<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>par<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ei an <span class=\"_ _2\"></span>die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>lere<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Die<span class=\"_ _2\"></span>se A<span class=\"_ _2\"></span>npass<span class=\"_ _2\"></span>ung sp<span class=\"_ _2\"></span>iege<span class=\"_ _2\"></span>lt de<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikos d<span class=\"_ _2\"></span>er Geg<span class=\"_ _2\"></span>enpa<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tei <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wi<span class=\"_ _2\"></span>der, jedoc<span class=\"_ _2\"></span>h nic<span class=\"_ _2\"></span>ht de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t des <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>ikos de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V <span class=\"_ _2\"></span>geg<span class=\"_ _2\"></span>en\u00fcb<span class=\"_ _2\"></span>er d<span class=\"_ _2\"></span>er G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>npar<span class=\"_ _3\"></span>tei<span class=\"_ _2\"></span>. Da<span class=\"_ _2\"></span>s Risi<span class=\"_ _2\"></span>ko be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht hie<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>ei d<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ive W<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t f<span class=\"_ _2\"></span>\u00fcr de<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ive F<span class=\"_ _2\"></span>inan<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>ment<span class=\"_ _2\"></span>e mind<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, weil <span class=\"_ _2\"></span>sich die R<span class=\"_ _2\"></span>isikop<span class=\"_ _2\"></span>r\u00e4<span class=\"_ _2\"></span>mie f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>par<span class=\"_ _3\"></span>tei e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>ht ha<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, oh<span class=\"_ _2\"></span>ne d<span class=\"_ _2\"></span>ass di<span class=\"_ _2\"></span>ese a<span class=\"_ _2\"></span>usf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Konzentrationsrisiken aus <span class=\"_ _2\"></span>W<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tpapier<span class=\"_ _3\"></span>veranlagungen<span class=\"_ _39f\"> </span>Die i<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nswe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>(Anleihe<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Fon<span class=\"_ _2\"></span>ds, <span class=\"_ _2\"></span>Ak<span class=\"_ _3\"></span>tien) investie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n M<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>lau<span class=\"_ _2\"></span>fen<span class=\"_ _2\"></span>d Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>hwan<span class=\"_ _2\"></span>kunge<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und au\u00dfe<span class=\"_ _2\"></span>rgew\u00f6<span class=\"_ _2\"></span>hnlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ereig<span class=\"_ _2\"></span>niss<span class=\"_ _2\"></span>e k\u00f6nn<span class=\"_ _2\"></span>en s<span class=\"_ _2\"></span>\u00e4mtl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>itel <span class=\"_ _2\"></span>von de<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etro<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>sein <span class=\"_ _2\"></span>und di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge sow<span class=\"_ _2\"></span>ie da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>al d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>bee<span class=\"_ _2\"></span>infl<span class=\"_ _2\"></span>usse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>h ei<span class=\"_ _2\"></span>ne au<span class=\"_ _2\"></span>sgewoge<span class=\"_ _2\"></span>ne I<span class=\"_ _2\"></span>nvest<span class=\"_ _2\"></span>men<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ie <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n die<span class=\"_ _2\"></span>se R<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>gre<span class=\"_ _2\"></span>nz<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Beteiligungsrisik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span>Als B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>(Anteilse<span class=\"_ _2\"></span>igne<span class=\"_ _2\"></span>rr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n<span class=\"_ _4\"></span>) <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>die p<span class=\"_ _2\"></span>otenzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>reit<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>tem <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>kap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>l, Div<span class=\"_ _2\"></span>ide<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4lle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>abs<span class=\"_ _2\"></span>chre<span class=\"_ _2\"></span>ibunge<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4u\u00dfe<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>verl<span class=\"_ _2\"></span>uste<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Reduk<span class=\"_ _3\"></span>tion <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ille<span class=\"_ _2\"></span>n Rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n, H<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n <span class=\"ff2 ls2 ws1\"> </span>(<span class=\"_ _9\"></span>z. B<span class=\"_ _2\"></span>. P<span class=\"_ _2\"></span>atro<span class=\"_ _2\"></span>nat<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>l\u00e4r<span class=\"_ _2\"></span>ungen) oder <span class=\"_ _2\"></span>Erge<span class=\"_ _2\"></span>bnis<span class=\"_ _2\"></span>abf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4ge<span class=\"_ _2\"></span>n (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>erlu<span class=\"_ _2\"></span>st\u00fc<span class=\"_ _2\"></span>ber<span class=\"_ _2\"></span>nah<span class=\"_ _2\"></span>men) bezeich<span class=\"_ _2\"></span>net<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>Immobilienrisiko<span class=\"_ _39f\"> </span>Das a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>igene<span class=\"_ _2\"></span>n Veranl<span class=\"_ _2\"></span>agung<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>n Im<span class=\"_ _2\"></span>mobil<span class=\"_ _2\"></span>ien e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>de R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus e<span class=\"_ _2\"></span>iner <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>ers<span class=\"_ _2\"></span>chle<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>tung a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>sinken<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>npr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>(Pr<span class=\"_ _2\"></span>eis\u00e4<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _9\"></span>) bz<span class=\"_ _2\"></span>w. auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>inger<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>iete<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Imm<span class=\"_ _2\"></span>obilie<span class=\"_ _2\"></span>n (Leer<span class=\"_ _2\"></span>sta<span class=\"_ _2\"></span>ndsrisiko, Miet<span class=\"_ _2\"></span>ausf<span class=\"_ _2\"></span>allr<span class=\"_ _2\"></span>isiko<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Marktrisiko<span class=\"_ _39f\"> </span>Unte<span class=\"_ _2\"></span>r Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iken <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V d<span class=\"_ _2\"></span>en p<span class=\"_ _2\"></span>otenzi<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Verlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, de<span class=\"_ _2\"></span>r dur<span class=\"_ _2\"></span>ch Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n von P<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>sen <span class=\"_ _2\"></span>und Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>zen a<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>inanz<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>m\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr s\u00e4<span class=\"_ _2\"></span>mtlic<span class=\"_ _2\"></span>he Posi<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k- und <span class=\"_ _2\"></span>im H<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>lsbu<span class=\"_ _2\"></span>ch e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. Das <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko se<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h aus <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Ris<span class=\"_ _2\"></span>ikoar<span class=\"_ _3\"></span>ten Zinsrisiko, Credit-<span class=\"_ _2\"></span>Spread<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Risiko, A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tienk<span class=\"_ _2\"></span>ursrisiko, Frem<span class=\"_ _2\"></span>dw\u00e4hr<span class=\"_ _2\"></span>ungsrisiko und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>ol<span class=\"_ _2\"></span>atilit\u00e4<span class=\"_ _2\"></span>tsr<span class=\"_ _2\"></span>isiko zusammen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Zinsrisiko<span class=\"_ _39f\"> </span>Das Z<span class=\"_ _2\"></span>insr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Z<span class=\"_ _2\"></span>inse<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisg<span class=\"_ _2\"></span>r\u00f6\u00dfe <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d ei<span class=\"_ _2\"></span>ntre<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>er M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>gen <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>reic<span class=\"_ _2\"></span>ht w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>. Zin<span class=\"_ _2\"></span>s\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken <span class=\"_ _2\"></span>in un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>schie<span class=\"_ _2\"></span>dlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Ar<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und Weise a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>gs<span class=\"_ _2\"></span>- und <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikosit<span class=\"_ _2\"></span>uati<span class=\"_ _2\"></span>on de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>. Die b<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en we<span class=\"_ _2\"></span>sent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en \u00f6<span class=\"_ _2\"></span>konomis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>sind h<span class=\"_ _2\"></span>ier<span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _3\"></span>tef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Ein<span class=\"_ _2\"></span>komme<span class=\"_ _2\"></span>nse<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>. De<span class=\"_ _2\"></span>r Ba<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>tef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t auf d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ite b<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>teht <span class=\"_ _2\"></span>im R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>gemin<span class=\"_ _2\"></span>der<span class=\"_ _3\"></span>ter <span class=\"_ _2\"></span>Bar<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e dur<span class=\"_ _2\"></span>ch die <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>von M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fcr d<span class=\"_ _2\"></span>as Z<span class=\"_ _2\"></span>insbu<span class=\"_ _2\"></span>ch<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Einkomm<span class=\"_ _2\"></span>ense<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>fek<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>f de<span class=\"_ _2\"></span>r and<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Se<span class=\"_ _2\"></span>ite b<span class=\"_ _2\"></span>irg<span class=\"_ _3\"></span>t da<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko, d<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h ei<span class=\"_ _2\"></span>ne Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>inss\u00e4<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ze zu untersc<span class=\"_ _2\"></span>hreiten<span class=\"_ _39f\"> </span>Ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s Z<span class=\"_ _2\"></span>insrisikos<span class=\"_ _39f\"> </span>Die ve<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>hied<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Fo<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es Z<span class=\"_ _2\"></span>insr<span class=\"_ _2\"></span>isikos <span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n si<span class=\"_ _2\"></span>ch in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>ie f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>Zinsgapr<span class=\"_ _2\"></span>isiko: Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>resu<span class=\"_ _2\"></span>ltie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>er Z<span class=\"_ _2\"></span>inss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ur von z<span class=\"_ _2\"></span>insse<span class=\"_ _2\"></span>nsit<span class=\"_ _2\"></span>iven I<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>r d<span class=\"_ _2\"></span>amit <span class=\"_ _2\"></span>verb<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>minie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r Zins<span class=\"_ _2\"></span>anpa<span class=\"_ _2\"></span>ssung. <span class=\"_ _2\"></span>Das Z<span class=\"_ _2\"></span>insg<span class=\"_ _2\"></span>apr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>bein<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>iner<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>siken <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nhang <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>zeit<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n I<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen h<span class=\"_ _2\"></span>insic<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r La<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>zeit <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>von Ak<span class=\"_ _3\"></span>ti<span class=\"_ _2\"></span>va<span class=\"_ _2\"></span>, Pa<span class=\"_ _2\"></span>ssiv<span class=\"_ _2\"></span>a sowi<span class=\"_ _2\"></span>e au\u00df<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bilan<span class=\"_ _2\"></span>zielle<span class=\"_ _2\"></span>n Posit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n (N<span class=\"_ _2\"></span>eub<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko<span class=\"_ _9\"></span>) und <span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>rer<span class=\"_ _2\"></span>sei<span class=\"_ _2\"></span>ts das R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>welc<span class=\"_ _2\"></span>hes <span class=\"_ _2\"></span>aus Ver\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Ne<span class=\"_ _2\"></span>igu<span class=\"_ _2\"></span>ng und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>alt d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>urk<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>ve er<span class=\"_ _3\"></span>w\u00e4c<span class=\"_ _2\"></span>hst <span class=\"_ _2\"></span>(Zi<span class=\"_ _2\"></span>nsst<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>tur<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ven<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko<span class=\"_ _4\"></span>).<span class=\"_ _39f\"> </span>Basis-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isiko: Dies<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>erg<span class=\"_ _2\"></span>ibt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>aus u<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>iedlic<span class=\"_ _2\"></span>her <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>srea<span class=\"_ _2\"></span>gibi<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t von <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>iv- <span class=\"_ _2\"></span>und P<span class=\"_ _2\"></span>assi<span class=\"_ _2\"></span>vpos<span class=\"_ _2\"></span>itio<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>gle<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>insbi<span class=\"_ _2\"></span>ndung <span class=\"_ _2\"></span>und ent<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>eht<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wenn <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Absic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r ei<span class=\"_ _2\"></span>ner <span class=\"_ _2\"></span>Zins<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>koposi<span class=\"_ _2\"></span>tion <span class=\"_ _2\"></span>ein a<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Zinss<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z z<span class=\"_ _2\"></span>ugr<span class=\"_ _2\"></span>unde <span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>, so<span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>eine Neu<span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tung <span class=\"_ _2\"></span>zu le<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>eding<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n f<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Nichtline<span class=\"_ _2\"></span>are Risike<span class=\"_ _2\"></span>n: Die n<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>line<span class=\"_ _2\"></span>aren <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iken<span class=\"_ _2\"></span>, au<span class=\"_ _2\"></span>ch O<span class=\"_ _2\"></span>ptio<span class=\"_ _2\"></span>nsr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n gen<span class=\"_ _2\"></span>annt<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>m G<span class=\"_ _2\"></span>amma<span class=\"_ _2\"></span>- u<span class=\"_ _2\"></span>nd de<span class=\"_ _2\"></span>m Vegae<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t von O<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n, einschli<span class=\"_ _9\"></span>e\u00dflich<span class=\"_ _9\"></span> eingebetteter Optionen.<span class=\"_ _39f\"> </span>Credit-Spre<span class=\"_ _2\"></span>ad-<span class=\"_ _3\"></span>Risiko<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>read <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ellt <span class=\"_ _2\"></span>eine <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sikopr<span class=\"_ _2\"></span>\u00e4mie <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr die <span class=\"_ _2\"></span>mit d<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Inves<span class=\"_ _2\"></span>titi<span class=\"_ _2\"></span>on \u00fcb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>nomm<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>t- und <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ken d<span class=\"_ _2\"></span>ar<span class=\"_ _9\"></span>. De<span class=\"_ _2\"></span>r Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>als <span class=\"_ _2\"></span>Rendit<span class=\"_ _2\"></span>edif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>z z<span class=\"_ _2\"></span>wis<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n ei<span class=\"_ _2\"></span>nem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t und <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er r<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>fre<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>Refe<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>zanl<span class=\"_ _2\"></span>eih<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>sti<span class=\"_ _2\"></span>mmt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Das Credi<span class=\"_ _2\"></span>t-Spr<span class=\"_ _2\"></span>ead<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Risiko <span class=\"_ _2\"></span>find<span class=\"_ _2\"></span>et i<span class=\"_ _2\"></span>n Subs<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>chwan<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>es A<span class=\"_ _2\"></span>nlei<span class=\"_ _2\"></span>henp<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>foli<span class=\"_ _2\"></span>os, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht au<span class=\"_ _2\"></span>f Z<span class=\"_ _2\"></span>ins\u00e4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>f\u00fch<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, se<span class=\"_ _2\"></span>inen <span class=\"_ _2\"></span>Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>lag.<span class=\"_ _39f\"> </span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienkur<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Als A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ienk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko wir<span class=\"_ _2\"></span>d die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>von A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n un<span class=\"_ _2\"></span>d Fo<span class=\"_ _2\"></span>nds<span class=\"_ _2\"></span>, die <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>neg<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>iv auf d<span class=\"_ _2\"></span>as e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Fremdw\u00e4h<span class=\"_ _2\"></span>rungsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span>Fremd<span class=\"_ _2\"></span>w\u00e4h<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isike<span class=\"_ _2\"></span>n ent<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>n f\u00fcr e<span class=\"_ _2\"></span>in K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tins<span class=\"_ _2\"></span>tit<span class=\"_ _2\"></span>ut<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen o<span class=\"_ _2\"></span>der Verbin<span class=\"_ _2\"></span>dlich<span class=\"_ _2\"></span>keite<span class=\"_ _2\"></span>n in ein<span class=\"_ _2\"></span>er Fre<span class=\"_ _2\"></span>mdw<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ung einge<span class=\"_ _3\"></span>-<span class=\"_ _39f\"> </span>ga<span class=\"_ _2\"></span>ngen wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, die ni<span class=\"_ _2\"></span>cht dur<span class=\"_ _2\"></span>ch ein<span class=\"_ _2\"></span>e gege<span class=\"_ _2\"></span>ngl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>e Positio<span class=\"_ _2\"></span>n oder e<span class=\"_ _2\"></span>in De<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>vat<span class=\"_ _2\"></span>ivge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>sgeg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Eine ung<span class=\"_ _2\"></span>\u00fcns<span class=\"_ _2\"></span>tige W<span class=\"_ _9\"></span>echse<span class=\"_ _2\"></span>lk<span class=\"_ _2\"></span>urse<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ickl<span class=\"_ _2\"></span>ung k<span class=\"_ _2\"></span>ann dam<span class=\"_ _2\"></span>it zu Verlus<span class=\"_ _2\"></span>ten f<span class=\"_ _2\"></span>\u00fchre<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>olatilit\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Als Volatil<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko wir<span class=\"_ _2\"></span>d da<span class=\"_ _2\"></span>s Ri<span class=\"_ _2\"></span>siko de<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>reis<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ng von g<span class=\"_ _2\"></span>ek<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>und ve<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Op<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>von \u00c4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>olati<span class=\"_ _2\"></span>lit<span class=\"_ _2\"></span>\u00e4t de<span class=\"_ _2\"></span>s B<span class=\"_ _2\"></span>asis<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tiv <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>das e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>te E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>SG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isik<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk-Se<span class=\"_ _2\"></span>lf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ssess<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>2024 erk<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>urden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klimarisiko<span class=\"_ _39f\"> </span>Umwelt-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>risiko<span class=\"_ _39f\"> </span>Soziales<span class=\"_ _9\"></span> <span class=\"ls2 ws1\"> </span>Risiko<span class=\"_ _39f\"> </span>Gov<span class=\"_ _9\"></span>ernance- Risiko<span class=\"_ _2ef\"></span><span class=\"lse ws1\"><span class=\"_ _39f\"> </span>Kapitalrisik<span class=\"_ _9\"></span>en (ICAAP)<span class=\"_ _d5\"> </span><span class=\"wse\">T<span class=\"_ _4\"></span>ransitionsrisiko<span class=\"_ _108\"> </span><span class=\"ws1\">Physisches Risik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span></span></span></span>Kreditrisiko<span class=\"_ _39f\"> </span>Kontrahentenrisiko<span class=\"_ _173\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Branchenrisiko<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Regionenrisiko<span class=\"_ _2f0\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Risikomindernde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>echniken<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Beteiligungsrisiko<span class=\"_ _2f1\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Marktrisiko<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _156\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _152\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Liquidit\u00e4ts-/Refinanzierungsrisiko<span class=\"_ _6a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _1d2\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Reputationsrisiko<span class=\"_ _243\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Step-in-Risiko<span class=\"_ _23a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-594": {
   "value": "Struk<span class=\"_ _3\"></span>turelles<span class=\"_ _2\"></span> Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko im<span class=\"_ _2\"></span> I<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>AP<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>im we<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>en Si<span class=\"_ _2\"></span>nn, <span class=\"_ _2\"></span>also <span class=\"_ _2\"></span>das <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>ko aus <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ruk<span class=\"_ _3\"></span>ture<span class=\"_ _2\"></span>lle<span class=\"_ _2\"></span>n Liqu<span class=\"_ _2\"></span>idit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>, a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko g<span class=\"_ _2\"></span>enan<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>, besc<span class=\"_ _2\"></span>hre<span class=\"_ _2\"></span>ibt im <span class=\"_ _2\"></span>Wesentlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>ks<span class=\"_ _2\"></span>ame <span class=\"_ _2\"></span>Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kunge<span class=\"_ _2\"></span>n du<span class=\"_ _2\"></span>rch e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tenko<span class=\"_ _2\"></span>nfor<span class=\"_ _2\"></span>me <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>tru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur. Das Refin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko w<span class=\"_ _2\"></span>ird a<span class=\"_ _2\"></span>ls die <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr ve<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nden<span class=\"_ _2\"></span>, z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>smit<span class=\"_ _3\"></span>tel <span class=\"_ _2\"></span>nur zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6hte<span class=\"_ _2\"></span>n Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>zinse<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en zu k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Di<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>Situ<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nen<span class=\"_ _2\"></span>, in <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>ausre<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>end <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t zu <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Kon<span class=\"_ _2\"></span>diti<span class=\"_ _2\"></span>onen <span class=\"_ _2\"></span>bes<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t werde<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie be<span class=\"_ _2\"></span>wuss<span class=\"_ _2\"></span>t un<span class=\"_ _2\"></span>ter E<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>sgesic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>spun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>eing<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>angen<span class=\"_ _2\"></span>en Fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>teni<span class=\"_ _2\"></span>nkongr<span class=\"_ _2\"></span>ue<span class=\"_ _2\"></span>nzen b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gen <span class=\"_ _2\"></span>die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>die Einkaufskonditionen ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>uern.<span class=\"_ _39f\"> </span>Liqu<span class=\"_ _9\"></span>idit\u00e4tsrisik<span class=\"_ _9\"></span>en (ILA<span class=\"_ _2\"></span>AP-Risiken<span class=\"_ _10\"></span>)<span class=\"_ _39f\"> </span>Das L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V wie <span class=\"_ _2\"></span>fol<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>egl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Dispositives Liquidit<span class=\"_ _2\"></span>\u00e4tsr<span class=\"_ _2\"></span>isiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Mark<span class=\"_ _2\"></span>tliquidit<span class=\"_ _2\"></span>\u00e4ts<span class=\"_ _2\"></span>risiko<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Risiko e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>r Ko<span class=\"_ _2\"></span>nzent<span class=\"_ _2\"></span>rat<span class=\"_ _2\"></span>ion <span class=\"_ _2\"></span>in de<span class=\"_ _2\"></span>r Re<span class=\"_ _2\"></span>finanzi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Liquidit\u00e4ts<span class=\"_ _2\"></span>risiko aus De<span class=\"_ _2\"></span>riv<span class=\"_ _2\"></span>atepositione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 lsaa wsc4\">Liquidit\u00e4ts<span class=\"_ _2\"></span>risiko aus B<span class=\"_ _2\"></span>eteiligungen<span class=\"_ _39f\"> </span></span>Dispositi<span class=\"_ _2\"></span>ves Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Das d<span class=\"_ _2\"></span>isposi<span class=\"_ _2\"></span>tive <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko (<span class=\"_ _9\"></span>auch <span class=\"_ _2\"></span>Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko im <span class=\"_ _2\"></span>enge<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Sinn o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Za<span class=\"_ _2\"></span>hlung<span class=\"_ _2\"></span>sunf<span class=\"_ _2\"></span>\u00e4h<span class=\"_ _2\"></span>igke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sris<span class=\"_ _2\"></span>iko ge<span class=\"_ _2\"></span>nannt) is<span class=\"_ _2\"></span>t d<span class=\"_ _2\"></span>efin<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>t als die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr, dass di<span class=\"_ _2\"></span>e BT<span class=\"_ _3\"></span>V <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>genw\u00e4<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>pflic<span class=\"_ _2\"></span>htung<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>meh<span class=\"_ _2\"></span>r volls<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>ndig o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t fr<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ger<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>t na<span class=\"_ _2\"></span>chkomm<span class=\"_ _2\"></span>en k<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Dies<span class=\"_ _2\"></span>es um<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>asst <span class=\"_ _2\"></span>in d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kounte<span class=\"_ _2\"></span>rar<span class=\"_ _3\"></span>ten:<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">T<span class=\"_ _10\"></span>e<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>inri<span class=\"_ _2\"></span>siko: Al<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>r unp<span class=\"_ _2\"></span>lanm<span class=\"_ _2\"></span>\u00e4\u00dfigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erl<span class=\"_ _2\"></span>\u00e4nge<span class=\"_ _2\"></span>rung <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>albi<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>sda<span class=\"_ _2\"></span>uer <span class=\"_ _2\"></span>von Ak<span class=\"_ _3\"></span>tiv<span class=\"_ _2\"></span>gesc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>info<span class=\"_ _2\"></span>lge ni<span class=\"_ _2\"></span>cht </span>vertragskonformen V<span class=\"_ _4\"></span>erhaltens der Gegenpa<span class=\"_ _9\"></span>r<span class=\"_ _2\"></span>tei.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Abru<span class=\"_ _2\"></span>fr<span class=\"_ _2\"></span>isiko: D<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>die s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>us de<span class=\"_ _2\"></span>r un<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n In<span class=\"_ _2\"></span>anspr<span class=\"_ _2\"></span>uc<span class=\"_ _2\"></span>hnahm<span class=\"_ _2\"></span>e von <span class=\"_ _2\"></span>Kre<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>age<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r de<span class=\"_ _2\"></span>m un<span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Abr<span class=\"_ _2\"></span>uf </span>von Einl<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>mit <span class=\"_ _2\"></span>unbes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>mter <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>apit<span class=\"_ _2\"></span>alb<span class=\"_ _2\"></span>indung <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gibt<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Wiede<span class=\"_ _2\"></span>rb<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>fung<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko: J<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>ausl<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ende <span class=\"_ _2\"></span>Fi<span class=\"_ _2\"></span>nanzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>smi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t ver<span class=\"_ _2\"></span>l\u00e4nge<span class=\"_ _2\"></span>rn <span class=\"_ _2\"></span>bzw. e<span class=\"_ _2\"></span>rse<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zen z<span class=\"_ _2\"></span>u k\u00f6nn<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span></span>Mark<span class=\"_ _3\"></span>tliquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko<span class=\"_ _39f\"> </span>Wird <span class=\"_ _2\"></span>als d<span class=\"_ _2\"></span>ie G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bed<span class=\"_ _2\"></span>ing<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>durch <span class=\"_ _2\"></span>au\u00dfe<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>ew\u00f6hnli<span class=\"_ _2\"></span>che <span class=\"_ _2\"></span>Beg<span class=\"_ _2\"></span>ebe<span class=\"_ _2\"></span>nhei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te nu<span class=\"_ _2\"></span>r mit <span class=\"_ _2\"></span>Absc<span class=\"_ _2\"></span>hl\u00e4ge<span class=\"_ _2\"></span>n am Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t l<span class=\"_ _2\"></span>iquidie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>zu k\u00f6<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>und h<span class=\"_ _2\"></span>ierd<span class=\"_ _2\"></span>urch <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>ring<span class=\"_ _2\"></span>en L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tsz<span class=\"_ _2\"></span>uflu<span class=\"_ _2\"></span>ss zu <span class=\"_ _2\"></span>real<span class=\"_ _2\"></span>isier<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Risiko einer Konzentration in der Refinanzierung<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>gib<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h, we<span class=\"_ _2\"></span>nn e<span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>il d<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>ur Ver<span class=\"_ _2\"></span>f\u00fcg<span class=\"_ _2\"></span>ung s<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>hend<span class=\"_ _2\"></span>en Re<span class=\"_ _2\"></span>fina<span class=\"_ _2\"></span>nzier<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>smit<span class=\"_ _3\"></span>tel h<span class=\"_ _2\"></span>insich<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>h be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>immte<span class=\"_ _2\"></span>r In<span class=\"_ _2\"></span>str<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>, eine<span class=\"_ _2\"></span>s od<span class=\"_ _2\"></span>er m<span class=\"_ _2\"></span>ehre<span class=\"_ _2\"></span>rer <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>ldge<span class=\"_ _2\"></span>ber, Segm<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>Rest<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ode<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>ogr<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>fisch<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Geb<span class=\"_ _2\"></span>iete <span class=\"_ _2\"></span>unverh<span class=\"_ _2\"></span>\u00e4ltn<span class=\"_ _2\"></span>ism\u00e4\u00dfig <span class=\"_ _2\"></span>hoc<span class=\"_ _2\"></span>h im V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>h zur <span class=\"_ _2\"></span>Ge<span class=\"_ _2\"></span>samt<span class=\"_ _2\"></span>heit <span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>r Re<span class=\"_ _2\"></span>finan<span class=\"_ _2\"></span>zier<span class=\"_ _2\"></span>ungs<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>l is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Liquidit\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko aus <span class=\"_ _2\"></span>Der<span class=\"_ _2\"></span>ivate<span class=\"_ _2\"></span>positione<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Hie<span class=\"_ _2\"></span>r bes<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ah<span class=\"_ _2\"></span>r dar<span class=\"_ _2\"></span>in,<span class=\"_ _2\"></span> dass es<span class=\"_ _2\"></span> aus die<span class=\"_ _2\"></span>sen G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>te<span class=\"_ _2\"></span>n zu unvor<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>ehe<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>n Liqui<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sab<span class=\"_ _2\"></span>fl\u00fc<span class=\"_ _2\"></span>ssen ko<span class=\"_ _2\"></span>mme<span class=\"_ _2\"></span>n ka<span class=\"_ _2\"></span>nn, d<span class=\"_ _2\"></span>ie sch<span class=\"_ _2\"></span>luss<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>endli<span class=\"_ _2\"></span>ch zu re<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anzier<span class=\"_ _2\"></span>en sin<span class=\"_ _2\"></span>d. D<span class=\"_ _2\"></span>ie Ur<span class=\"_ _2\"></span>sac<span class=\"_ _2\"></span>he k<span class=\"_ _2\"></span>ann in p<span class=\"_ _2\"></span>l\u00f6t<span class=\"_ _2\"></span>zlic<span class=\"_ _2\"></span>hen \u00c4<span class=\"_ _2\"></span>nder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n von Wechselk<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>en od<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s Zins<span class=\"_ _2\"></span>nivea<span class=\"_ _2\"></span>us liege<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Bete<span class=\"_ _2\"></span>iligunge<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>ef<span class=\"_ _2\"></span>ahr von L<span class=\"_ _2\"></span>iquidi<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>abfl<span class=\"_ _2\"></span>\u00fcssen a<span class=\"_ _2\"></span>us Be<span class=\"_ _2\"></span>teil<span class=\"_ _2\"></span>igung<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>ht dar<span class=\"_ _2\"></span>in<span class=\"_ _2\"></span>, dass die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V als An<span class=\"_ _2\"></span>teils<span class=\"_ _2\"></span>eign<span class=\"_ _2\"></span>er ei<span class=\"_ _2\"></span>nen Re<span class=\"_ _2\"></span>put<span class=\"_ _2\"></span>atio<span class=\"_ _2\"></span>nssch<span class=\"_ _2\"></span>ade<span class=\"_ _2\"></span>n erl<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>en k\u00f6nnt<span class=\"_ _2\"></span>e, wen<span class=\"_ _2\"></span>n eine B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung illiq<span class=\"_ _2\"></span>uid wir<span class=\"_ _2\"></span>d. Da<span class=\"_ _2\"></span>her s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en \u00fcb<span class=\"_ _2\"></span>er die ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ag<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n Vereinbar<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n hina<span class=\"_ _2\"></span>usgeh<span class=\"_ _2\"></span>ende A<span class=\"_ _2\"></span>bfl<span class=\"_ _2\"></span>\u00fcsse aus Be<span class=\"_ _2\"></span>tei<span class=\"_ _2\"></span>ligung<span class=\"_ _2\"></span>en ein z<span class=\"_ _2\"></span>us\u00e4t<span class=\"_ _2\"></span>zl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>s Liquid<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>ko dar.<span class=\"_ _39f\"> </span>Struk<span class=\"_ _3\"></span>turelles<span class=\"_ _2\"></span> Liquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>srisiko im<span class=\"_ _2\"></span> I<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP<span class=\"_ _39f\"> </span>Das s<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ure<span class=\"_ _2\"></span>lle L<span class=\"_ _2\"></span>iquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>im I<span class=\"_ _2\"></span>L<span class=\"_ _2\"></span>A<span class=\"_ _3\"></span>AP b<span class=\"_ _2\"></span>ezeic<span class=\"_ _2\"></span>hne<span class=\"_ _2\"></span>t die <span class=\"_ _2\"></span>M\u00f6g<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass e<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>k lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>te h\u00e4<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie nicht <span class=\"_ _2\"></span>durc<span class=\"_ _2\"></span>h en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>chen<span class=\"_ _2\"></span>de l<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ige Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Disk<span class=\"_ _2\"></span>rep<span class=\"_ _2\"></span>anz i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n F\u00e4<span class=\"_ _2\"></span>lligke<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>n k<span class=\"_ _2\"></span>ann d<span class=\"_ _2\"></span>ie Wahr<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>sche<span class=\"_ _2\"></span>inlic<span class=\"_ _2\"></span>hkeit <span class=\"_ _2\"></span>von L<span class=\"_ _2\"></span>iquidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>se<span class=\"_ _2\"></span>ngp\u00e4<span class=\"_ _2\"></span>ssen <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>h\u00f6he<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Es <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>dab<span class=\"_ _2\"></span>ei ni<span class=\"_ _2\"></span>cht u<span class=\"_ _2\"></span>m ein <span class=\"_ _2\"></span>pl\u00f6t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>tre<span class=\"_ _2\"></span>tend<span class=\"_ _2\"></span>es R<span class=\"_ _2\"></span>isiko, <span class=\"_ _2\"></span>sond<span class=\"_ _2\"></span>ern diese<span class=\"_ _2\"></span>s en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>teh<span class=\"_ _2\"></span>t m\u00f6g<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>her<span class=\"_ _3\"></span>weise <span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er al<span class=\"_ _2\"></span>lm\u00e4hl<span class=\"_ _2\"></span>iche<span class=\"_ _2\"></span>n Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Refin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tur.<span class=\"_ _39f\"> </span>Risiko aus dem Gesch\u00e4f<span class=\"_ _3\"></span>tsmodell<span class=\"_ _39f\"> </span>Das R<span class=\"_ _2\"></span>isiko <span class=\"_ _2\"></span>aus d<span class=\"_ _2\"></span>em G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>ell r<span class=\"_ _2\"></span>esul<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>s ne<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>tive<span class=\"_ _2\"></span>n Aus<span class=\"_ _2\"></span>wir<span class=\"_ _2\"></span>kung<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf K<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>al un<span class=\"_ _2\"></span>d Er<span class=\"_ _3\"></span>tra<span class=\"_ _2\"></span>g durc<span class=\"_ _2\"></span>h ma<span class=\"_ _2\"></span>ngeln<span class=\"_ _2\"></span>de<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00e4hig<span class=\"_ _2\"></span>kei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>s Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sm<span class=\"_ _2\"></span>odel<span class=\"_ _2\"></span>ls bz<span class=\"_ _2\"></span>w. feh<span class=\"_ _2\"></span>lend<span class=\"_ _2\"></span>e N<span class=\"_ _2\"></span>achh<span class=\"_ _2\"></span>alt<span class=\"_ _2\"></span>igkei<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Str<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gie<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>eid<span class=\"_ _2\"></span>es is<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>egeb<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, wen<span class=\"_ _2\"></span>n kei<span class=\"_ _2\"></span>ne ak<span class=\"_ _3\"></span>zept<span class=\"_ _2\"></span>able Rendit<span class=\"_ _2\"></span>e er<span class=\"_ _3\"></span>wir<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>kan<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Die f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Dar<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung ze<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>koar<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e E<span class=\"_ _2\"></span>SG<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>isik<span class=\"_ _2\"></span>en im <span class=\"_ _2\"></span>Ri<span class=\"_ _2\"></span>sk-Se<span class=\"_ _2\"></span>lf-<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>ssess<span class=\"_ _2\"></span>ment <span class=\"_ _2\"></span>2024 erk<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt w<span class=\"_ _2\"></span>urden<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Klimarisiko<span class=\"_ _39f\"> </span>Umwelt-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>risiko<span class=\"_ _39f\"> </span>Soziales<span class=\"_ _9\"></span> <span class=\"ls2 ws1\"> </span>Risiko<span class=\"_ _39f\"> </span>Gov<span class=\"_ _9\"></span>ernance- Risiko<span class=\"_ _2ef\"></span><span class=\"lse ws1\"><span class=\"_ _39f\"> </span>Kapitalrisik<span class=\"_ _9\"></span>en (ICAAP)<span class=\"_ _d5\"> </span><span class=\"wse\">T<span class=\"_ _4\"></span>ransitionsrisiko<span class=\"_ _108\"> </span><span class=\"ws1\">Physisches Risik<span class=\"_ _9\"></span>o<span class=\"_ _39f\"> </span></span></span></span>Kreditrisiko<span class=\"_ _39f\"> </span>Kontrahentenrisiko<span class=\"_ _173\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Branchenrisiko<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Regionenrisiko<span class=\"_ _2f0\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Risikomindernde <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>echniken<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Beteiligungsrisiko<span class=\"_ _2f1\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Marktrisiko<span class=\"_ _39f\"> </span>Aktienkursrisiko<span class=\"_ _156\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Zinsrisiko<span class=\"_ _39f\"> </span>Fremdw\u00e4hrungsrisiko<span class=\"_ _39f\"> </span>Credit-Spread-Risiko<span class=\"_ _152\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Liquidit\u00e4ts-/Refinanzierungsrisiko<span class=\"_ _6a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Gesch\u00e4f<span class=\"_ _2\"></span>tsmodellrisiko<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _187\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Operation<span class=\"_ _2\"></span>elles Risiko<span class=\"_ _1d2\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Reputationsrisiko<span class=\"_ _243\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Step-in-Risiko<span class=\"_ _23a\"> </span><span class=\"ls2 ws1\">X<span class=\"_ _a4\"> </span>X<span class=\"_ _39f\"> </span></span>Die Liq<span class=\"_ _2\"></span>uidit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sau<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung wir<span class=\"_ _2\"></span>d ebe<span class=\"_ _2\"></span>nso in e<span class=\"_ _2\"></span>inem m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>tl<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>n Ausma<span class=\"_ _2\"></span>\u00df get<span class=\"_ _2\"></span>rof<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>, wob<span class=\"_ _2\"></span>ei sich d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>r Ef<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ek<span class=\"_ _3\"></span>t \u00fcber e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n l\u00e4nge<span class=\"_ _2\"></span>ren Zeitr<span class=\"_ _2\"></span>aum h<span class=\"_ _2\"></span>inzie<span class=\"_ _2\"></span>ht und da<span class=\"_ _2\"></span>her l<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>t auss<span class=\"_ _2\"></span>teue<span class=\"_ _2\"></span>rba<span class=\"_ _2\"></span>r ist<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-575": {
   "value": "Der U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>ied in d<span class=\"_ _2\"></span>er R<span class=\"_ _2\"></span>isikovors<span class=\"_ _2\"></span>org<span class=\"_ _2\"></span>e z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen d<span class=\"_ _2\"></span>en fo<span class=\"_ _2\"></span>lgend<span class=\"_ _2\"></span>en T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d den A<span class=\"_ _2\"></span>nga<span class=\"_ _2\"></span>ben in N<span class=\"_ _2\"></span>ote 6 in H<span class=\"_ _2\"></span>\u00f6he von 9,<span class=\"_ _3\"></span>2 Mio. \u20ac er<span class=\"_ _2\"></span>gi<span class=\"_ _2\"></span>bt sich au<span class=\"_ _2\"></span>s der R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f<span class=\"_ _2\"></span>\u00fcr Ga<span class=\"_ _2\"></span>ran<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>n der A<span class=\"_ _2\"></span>LGAR<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur G<span class=\"_ _2\"></span>esamt in T<span class=\"_ _4\"></span>sd.<span class=\"_ _39f\"> </span>Stichtag<span class=\"_ _fa\"> </span><span class=\"ls9a wsb0\">Date<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span></span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.549.171<span class=\"_ _ee\"> </span>1.190.657<span class=\"_ _90\"> </span>110.053<span class=\"_ _12b\"> </span>356.337<span class=\"_ _f3\"> </span>15.206.217   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _18e\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _12b\"> </span>914.071<span class=\"_ _145\"> </span>56.582<span class=\"_ _12b\"> </span>309.707<span class=\"_ _f2\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _184\"> </span><span class=\"ff2\">378.442<span class=\"_ _145\"> </span>68.682<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>25.422<span class=\"_ _12b\"> </span>502.059</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _75\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _12b\"> </span>207.904<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>21.208<span class=\"_ _8e\"> </span>4.516.788<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>89,1 %<span class=\"_ _10d\"> </span>7,8 %<span class=\"_ _10d\"> </span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>2,3 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">58.043<span class=\"_ _145\"> </span>22.841<span class=\"_ _99\"> </span>3.497<span class=\"_ _e1\"> </span>166.253<span class=\"_ _90\"> </span>250.633</span>   <span class=\"_ _2\"></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _b0\"> </span><span class=\"ff2\">35.916<span class=\"_ _f4\"> </span>16.015<span class=\"_ _99\"> </span>1.580<span class=\"_ _12b\"> </span>156.614<span class=\"_ _90\"> </span>210.125</span>   <span class=\"_ _2\"></span>Au\u00dferbilanzielle Posten<span class=\"_ _c7\"> </span><span class=\"ff2\">22.128<span class=\"_ _99\"> </span>6.826<span class=\"_ _99\"> </span>1.917<span class=\"_ _99\"> </span>9.639<span class=\"_ _145\"> </span>40.509<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,9 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,2 %<span class=\"_ _114\"> </span>46,7 %<span class=\"_ _10d\"> </span>1,6 %<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _60\"> </span><span class=\"ff4\">Gesamta<span class=\"_ _2\"></span>usn\u00fctzung<span class=\"_ _7c\"> </span></span>13.466.910<span class=\"_ _12b\"> </span>855.296<span class=\"_ _145\"> </span>60.505<span class=\"_ _12b\"> </span>270.285<span class=\"_ _f3\"> </span>14.652.996   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten<span class=\"_ _8d\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _90\"> </span>657.840<span class=\"_ _145\"> </span>39.862<span class=\"_ _12b\"> </span>215.290<span class=\"_ _ee\"> </span>9.763.593</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _7b\"> </span><span class=\"ff2\">433.898<span class=\"_ _145\"> </span>23.216<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>23.840<span class=\"_ _90\"> </span>496.120</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _169\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _e1\"> </span>174.240<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>31.155<span class=\"_ _ee\"> </span>4.393.284<span class=\"_ _39f\"> </span></span>Anteil in % <span class=\"_ _244\"> </span>91,9 %<span class=\"_ _10d\"> </span>5,8 %<span class=\"_ _10d\"> </span>0,4 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>1,8 %<span class=\"_ _144\"> </span>100,0 %<span class=\"_ _39f\"> </span>Risikov<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sorgen<span class=\"_ _2f4\"> </span><span class=\"ff2 lse wse\">57.608<span class=\"_ _145\"> </span>13.328<span class=\"_ _99\"> </span>2.128<span class=\"_ _e1\"> </span>125.073<span class=\"_ _90\"> </span>198.138</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffung<span class=\"_ _2\"></span>skosten<span class=\"_ _69\"> </span><span class=\"ff2\">34.281<span class=\"_ _99\"> </span>9.356<span class=\"_ _99\"> </span>1.861<span class=\"_ _12b\"> </span>108.892<span class=\"_ _90\"> </span>154.389</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten<span class=\"_ _225\"> </span><span class=\"ff2\">23.327<span class=\"_ _99\"> </span>3.972<span class=\"_ _d3\"> </span>267<span class=\"_ _f4\"> </span>16.182<span class=\"_ _145\"> </span>43.748<span class=\"_ _39f\"> </span></span>Proz<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>ntsatz der De<span class=\"_ _2\"></span>ckung<span class=\"_ _247\"> </span>0,4 %<span class=\"_ _10d\"> </span>1,6 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,5 %<span class=\"_ _114\"> </span>46,3 %<span class=\"_ _10d\"> </span>1,4 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung<span class=\"_ _5\"> </span>Gesamtausn\u00fctzung zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _7e\"> </span><span class=\"ff2\">82.261<span class=\"_ _90\"> </span>335.361<span class=\"_ _f4\"> </span>49.547<span class=\"_ _145\"> </span>86.052<span class=\"_ _90\"> </span>553.221</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _95\"> </span><span class=\"ff2\">56.410<span class=\"_ _12b\"> </span>256.231<span class=\"_ _145\"> </span>16.720<span class=\"_ _145\"> </span>94.417<span class=\"_ _12b\"> </span>423.778</span>   <span class=\"_ _2\"></span> Beizulegender Zeit<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>t zum Vj<span class=\"_ _2\"></span>.<span class=\"_ _81\"> </span>\u221255.456<span class=\"_ _145\"> </span><span class=\"ff2\">45.465<span class=\"_ _145\"> </span>14.347<span class=\"_ _99\"> </span>1.582<span class=\"_ _1e3\"> </span>5.939</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _2f5\"> </span><span class=\"ff2\">81.306<span class=\"_ _145\"> </span>33.665<span class=\"_ _f4\"> </span>18.480<span class=\"_ _f4\"> </span></span>\u22129.947<span class=\"_ _12b\"> </span><span class=\"ff2\">123.504<span class=\"_ _39f\"> </span></span>zur Gesamtausn\u00fctzung des <span class=\"_ _2\"></span>Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _251\"> </span>0,6 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>39,2 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>81,9 <span class=\"_ _2\"></span>%<span class=\"_ _59\"> </span>31,8 <span class=\"_ _2\"></span>%<span class=\"_ _10d\"> </span>3,8 %<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj.<span class=\"_ _260\"> </span><span class=\"ff2\">435<span class=\"_ _99\"> </span>9.513<span class=\"_ _99\"> </span>1.369<span class=\"_ _f4\"> </span>41.179<span class=\"_ _145\"> </span>52.496</span>   <span class=\"_ _2\"></span> For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaff<span class=\"_ _2\"></span>ungskosten zum Vj.<span class=\"_ _15b\"> </span><span class=\"ff2\">1.635<span class=\"_ _99\"> </span>6.659<span class=\"_ _10d\"> </span></span>\u2212281<span class=\"_ _145\"> </span><span class=\"ff2\">47.723<span class=\"_ _145\"> </span>55.735</span>   <span class=\"_ _2\"></span> Au\u00dferbilanzielle <span class=\"_ _2\"></span>Posten zum Vj.<span class=\"_ _be\"> </span>\u22121.200<span class=\"_ _99\"> </span><span class=\"ff2\">2.854<span class=\"_ _99\"> </span>1.650<span class=\"_ _f4\"> </span></span>\u22126.543<span class=\"_ _f4\"> </span>\u22123.240<span class=\"_ _39f\"> </span>der Risikovorsorgen zum Vj. <span class=\"_ _2\"></span>(in %)<span class=\"_ _b3\"> </span>0,8 %<span class=\"_ _114\"> </span>71,4 %<span class=\"_ _114\"> </span>64,3 %<span class=\"_ _59\"> </span>32,9 %<span class=\"_ _114\"> </span>26,5 %<span class=\"_ _39f\"> </span>Das g<span class=\"_ _2\"></span>esam<span class=\"_ _2\"></span>te K<span class=\"_ _2\"></span>red<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>volu<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>BT<span class=\"_ _3\"></span>V e<span class=\"_ _2\"></span>rh\u00f6<span class=\"_ _2\"></span>hte si<span class=\"_ _2\"></span>ch im <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eich <span class=\"_ _2\"></span>um +55<span class=\"_ _9\"></span>3,<span class=\"_ _2\"></span>2 <span class=\"_ _2\"></span>Mio. <span class=\"_ _2\"></span>\u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>3,<span class=\"_ _2\"></span>8 <span class=\"_ _2\"></span>% au<span class=\"_ _2\"></span>f 1<span class=\"_ _4\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6,<span class=\"_ _3\"></span>2 Mi<span class=\"_ _2\"></span>o. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>er Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>and a<span class=\"_ _2\"></span>n not<span class=\"_ _2\"></span>leid<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dite<span class=\"_ _2\"></span>n st<span class=\"_ _2\"></span>ieg <span class=\"_ _2\"></span>um +8<span class=\"_ _2\"></span>6,1 Mio. \u20ac bz<span class=\"_ _2\"></span>w. +<span class=\"_ _4\"></span>31<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>8 %<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>il a<span class=\"_ _2\"></span>m Ge<span class=\"_ _2\"></span>samt<span class=\"_ _3\"></span>volume<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug zum <span class=\"_ _2\"></span>Ja<span class=\"_ _2\"></span>hres<span class=\"_ _2\"></span>ultim<span class=\"_ _2\"></span>o 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h 1,8 % <span class=\"_ _2\"></span>im Vorjahr<span class=\"_ _39f\"> </span>.<span class=\"_ _39f\"> </span>Bonit\u00e4t<span class=\"_ _2\"></span>sstruk<span class=\"_ _3\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach L<span class=\"_ _2\"></span>\u00e4ndern<span class=\"_ _39f\"> </span>Rund 47<span class=\"_ _10\"></span>,9 % d<span class=\"_ _2\"></span>es K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns (Summ<span class=\"_ _2\"></span>e aus fo<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>gef<span class=\"_ _2\"></span>\u00fchr- ten Ans<span class=\"_ _2\"></span>cha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skoste<span class=\"_ _2\"></span>n und b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>dem Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t) betr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>inl\u00e4n<span class=\"_ _2\"></span>disch<span class=\"_ _2\"></span>e Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>mer. 3<span class=\"_ _9\"></span>5,<span class=\"_ _9\"></span>1 % ent<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en au<span class=\"_ _2\"></span>f deu<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>che un<span class=\"_ _2\"></span>d 9,4 % auf Schwe<span class=\"_ _2\"></span>izer Kr<span class=\"_ _2\"></span>edi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hmer. Die res<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen 7<span class=\"_ _4\"></span>,6 % ve<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ilen si<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span>wie fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>: 5<span class=\"_ _2\"></span>,0 % e<span class=\"_ _2\"></span>nt<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>all<span class=\"_ _2\"></span>en auf d<span class=\"_ _2\"></span>ie L<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>r It<span class=\"_ _2\"></span>alie<span class=\"_ _2\"></span>n, Fr<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>rei<span class=\"_ _2\"></span>ch, S<span class=\"_ _2\"></span>chwed<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, Nie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>land<span class=\"_ _2\"></span>e und N<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>. Die ve<span class=\"_ _2\"></span>rbl<span class=\"_ _2\"></span>eibe<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n 2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6 %<span class=\"_ _39f\"> </span>ver<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ile<span class=\"_ _2\"></span>n sich au<span class=\"_ _2\"></span>f Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>er in s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen L<span class=\"_ _2\"></span>\u00e4n<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>Entwick<span class=\"_ _2\"></span>lung L\u00e4nderstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur Kreditrisiko in %<span class=\"_ _39f\"> </span>\u00d6sterreich                                <span class=\"_ _e1\"> </span><span class=\"ws1\">Deutschland<span class=\"_ _128\"> </span>Schw<span class=\"_ _9\"></span>eiz<span class=\"_ _13d\"> </span>Sonstige<span class=\"_ _39f\"> </span></span>2019<span class=\"_ _39f\"> </span>0<span class=\"_ _39f\"> </span>20<span class=\"_ _39f\"> </span>40<span class=\"_ _39f\"> </span>60<span class=\"_ _39f\"> </span>80<span class=\"_ _39f\"> </span>100<span class=\"_ _39f\"> </span>2021<span class=\"_ _12f\"> </span>2022<span class=\"_ _12f\"> </span>2023<span class=\"_ _153\"> </span>2024<span class=\"_ _39f\"> </span>35,1 %<span class=\"_ _39f\"> </span>35,<span class=\"_ _2\"></span>7 %<span class=\"_ _39f\"> </span>32<span class=\"_ _2\"></span>,4 %<span class=\"_ _39f\"> </span>26<span class=\"_ _2\"></span>,1 %<span class=\"_ _39f\"> </span>25<span class=\"_ _2\"></span>,7 %<span class=\"_ _39f\"> </span>9,4 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>8 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _3\"></span>5 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>4 %<span class=\"_ _39f\"> </span>8<span class=\"_ _2\"></span>,1 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>6 %<span class=\"_ _39f\"> </span>7<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>4 %<span class=\"_ _39f\"> </span>9,<span class=\"_ _2\"></span>8 %<span class=\"_ _39f\"> </span>47<span class=\"_ _4\"></span>,<span class=\"_ _2\"></span>9 %<span class=\"_ _39f\"> </span>49,<span class=\"_ _3\"></span>2 %<span class=\"_ _39f\"> </span>51<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>3 %<span class=\"_ _39f\"> </span>52<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>9 %<span class=\"_ _39f\"> </span>56<span class=\"_ _2\"></span>,7 %<span class=\"_ _39f\"> </span>56<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3 %<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.609.562<span class=\"_ _91\"> </span>391.737<span class=\"_ _13c\"> </span>13.396<span class=\"_ _59\"> </span>132.905<span class=\"_ _112\"> </span>2.147.599<span class=\"_ _93\"> </span></span>14,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.858.327<span class=\"_ _59\"> </span>141.445<span class=\"_ _13c\"> </span>13.023<span class=\"_ _10d\"> </span>80.575<span class=\"_ _112\"> </span>2.093.369<span class=\"_ _93\"> </span></span>13,8 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _11c\"> </span><span class=\"ff2\">1.079.041<span class=\"_ _148\"> </span>99<span class=\"_ _14e\"> </span>16<span class=\"_ _89\"> </span>336<span class=\"_ _112\"> </span>1.079.492<span class=\"_ _9d\"> </span></span>7,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">956.144<span class=\"_ _10d\"> </span>24.594<span class=\"_ _fd\"> </span>2.672<span class=\"_ _13c\"> </span>17.501<span class=\"_ _112\"> </span>1.000.912<span class=\"_ _9d\"> </span></span>6,6 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">724.956<span class=\"_ _9a\"> </span>55.246<span class=\"_ _11c\"> </span>5.027<span class=\"_ _13c\"> </span>25.952<span class=\"_ _91\"> </span>811.180<span class=\"_ _9d\"> </span></span>5,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">627.067<span class=\"_ _91\"> </span>134.990<span class=\"_ _10d\"> </span>18.528<span class=\"_ _9a\"> </span>18.349<span class=\"_ _59\"> </span>798.935<span class=\"_ _9d\"> </span><span class=\"ff4\">5,3 %<span class=\"_ _39f\"> </span></span></span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">437.336<span class=\"_ _10d\"> </span>89.429<span class=\"_ _fd\"> </span>2.753<span class=\"_ _13c\"> </span>26.927<span class=\"_ _91\"> </span>556.445<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">484.400<span class=\"_ _13c\"> </span>34.631<span class=\"_ _116\"> </span>196<span class=\"_ _fd\"> </span>3.978<span class=\"_ _59\"> </span>523.205<span class=\"_ _9d\"> </span><span class=\"ff4\">3,4 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">393.470<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>393.470<span class=\"_ _9d\"> </span></span>2,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>256.624<span class=\"_ _13c\"> </span>13.132<span class=\"_ _116\"> </span>190<span class=\"_ _116\"> </span>944<span class=\"_ _59\"> </span>270.890<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>222.295<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>222.295<span class=\"_ _9d\"> </span><span class=\"ff4\">1,5 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">111.960<span class=\"_ _fd\"> </span>3.564<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>7<span class=\"_ _59\"> </span></span>115.531<span class=\"_ _9d\"> </span></span>0,8 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _42\"> </span><span class=\"ff2\">145.830<span class=\"_ _13c\"> </span>25.204<span class=\"_ _116\"> </span>781<span class=\"_ _fd\"> </span>2.233<span class=\"_ _91\"> </span>174.047<span class=\"_ _9d\"> </span></span>1,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _67\"> </span><span class=\"ff2\">76.733<span class=\"_ _13c\"> </span>61.394<span class=\"_ _10d\"> </span>29.512<span class=\"_ _13c\"> </span>25.182<span class=\"_ _91\"> </span>192.821<span class=\"_ _9d\"> </span></span>1,3 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">187.512<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>187.512<span class=\"_ _9d\"> </span></span>1,2 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">69.324<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>69.324<span class=\"_ _9d\"> </span></span>0,5 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _39f\"> </span>13.977<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>13.977<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>12.921<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>12.921<span class=\"_ _d3\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2fa\"> </span><span class=\"ff2 lse wse\">9.073<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _fd\"> </span></span>9.073<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _fd\"> </span></span>7.027<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _27b\"> </span><span class=\"ff2 lse wse\">5.399<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _11c\"> </span></span>5.399<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">3.502<span class=\"_ _89\"> </span>260<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _116\"> </span></span>240<span class=\"_ _fd\"> </span>4.003<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.340.881<span class=\"_ _13c\"> </span>46.742<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _109\"> </span></span>145<span class=\"_ _112\"> </span>1.387.768<span class=\"_ _9d\"> </span><span class=\"ff4\">9,1 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.197.808<span class=\"_ _10d\"> </span>27.121<span class=\"_ _13c\"> </span>13.748<span class=\"_ _13c\"> </span>14.528<span class=\"_ _112\"> </span>1.253.205<span class=\"_ _9d\"> </span></span>8,2 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">508.107<span class=\"_ _10d\"> </span>42.160<span class=\"_ _fd\"> </span>3.215<span class=\"_ _fd\"> </span>2.096<span class=\"_ _91\"> </span>555.578<span class=\"_ _9d\"> </span></span>3,7 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">326.439<span class=\"_ _9a\"> </span>16.643<span class=\"_ _11c\"> </span>4.838<span class=\"_ _fd\"> </span>2.532<span class=\"_ _91\"> </span>350.453<span class=\"_ _9d\"> </span></span>2,3 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">238.302<span class=\"_ _10d\"> </span>16.534<span class=\"_ _fd\"> </span>1.346<span class=\"_ _116\"> </span>896<span class=\"_ _91\"> </span>257.077<span class=\"_ _9d\"> </span></span>1,7 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">152.129<span class=\"_ _13c\"> </span>54.862<span class=\"_ _116\"> </span>641<span class=\"_ _116\"> </span>967<span class=\"_ _59\"> </span>208.600<span class=\"_ _9d\"> </span><span class=\"ff4\">1,4 %<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">135.442<span class=\"_ _fd\"> </span>1.035<span class=\"_ _14e\"> </span>78<span class=\"_ _148\"> </span>44<span class=\"_ _91\"> </span>136.599<span class=\"_ _9d\"> </span></span>0,9 %<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">121.702<span class=\"_ _89\"> </span>510<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>122.212<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">51.566<span class=\"_ _fd\"> </span>1.020<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>52.586<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">49.483<span class=\"_ _fd\"> </span>1.074<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>50.650<span class=\"_ _9d\"> </span><span class=\"ff4\">0,3 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">41.931<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>41.931<span class=\"_ _9d\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _186\"> </span><span class=\"ff2\">605<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _116\"> </span></span>605<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">99.322<span class=\"_ _116\"> </span>203<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _13c\"> </span></span>99.524<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.549.171<span class=\"_ _ea\"> </span>1.190.657<span class=\"_ _12e\"> </span>110.053<span class=\"_ _12e\"> </span>356.337<span class=\"_ _b6\"> </span>15.206.217<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>szweigen<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2024 hat die Sac<span class=\"_ _2\"></span>hg\u00fct<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeugung m<span class=\"_ _2\"></span>it ein<span class=\"_ _2\"></span>em An<span class=\"_ _2\"></span>teil von 2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _9\"></span>1 % das Reali<span class=\"_ _2\"></span>t\u00e4t<span class=\"_ _2\"></span>enwese<span class=\"_ _2\"></span>n mit 1<span class=\"_ _9\"></span>9,0 % auf d<span class=\"_ _2\"></span>en z<span class=\"_ _2\"></span>wei<span class=\"_ _2\"></span>ten Pl<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z<span class=\"_ _39f\"> </span>der W<span class=\"_ _2\"></span>ir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>weige ver<span class=\"_ _3\"></span>wies<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Den g<span class=\"_ _2\"></span>r\u00f6\u00dfte<span class=\"_ _2\"></span>n Ans<span class=\"_ _2\"></span>tieg g<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>b es mit +<span class=\"_ _9\"></span>365,<span class=\"_ _2\"></span>6 Mio. \u20ac in d<span class=\"_ _2\"></span>er Sa<span class=\"_ _2\"></span>chg\u00fc<span class=\"_ _2\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeug<span class=\"_ _2\"></span>ung. De<span class=\"_ _2\"></span>n gr\u00f6<span class=\"_ _2\"></span>\u00dften Ab<span class=\"_ _2\"></span>fluss<span class=\"_ _39f\"> </span>ga<span class=\"_ _2\"></span>b es mit \u2212<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>6,4 M<span class=\"_ _2\"></span>io. \u20ac im B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>ich Di<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>tle<span class=\"_ _2\"></span>ist<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, wodu<span class=\"_ _2\"></span>rch de<span class=\"_ _2\"></span>r rel<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ve Ante<span class=\"_ _2\"></span>il von 1<span class=\"_ _9\"></span>0,<span class=\"_ _2\"></span>3 % au<span class=\"_ _2\"></span>f 5,4 % sa<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>Wir<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>schaf<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sbranchen 31<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>Wirtschaf<span class=\"_ _2\"></span>tszweige<span class=\"_ _39f\"> </span>Ohne erkenn.<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _125\"> </span>Notleidend<span class=\"_ _f4\"> </span>Gesamt<span class=\"_ _115\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _243\"> </span><span class=\"ff2\">1.622.115<span class=\"_ _91\"> </span>240.526<span class=\"_ _13c\"> </span>14.880<span class=\"_ _10d\"> </span>61.793<span class=\"_ _112\"> </span>1.939.314<span class=\"_ _93\"> </span></span>13,2 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.778.093<span class=\"_ _10d\"> </span>95.714<span class=\"_ _13c\"> </span>11.691<span class=\"_ _13c\"> </span>32.120<span class=\"_ _112\"> </span>1.917.618<span class=\"_ _6b\"> </span></span>13,1 %<span class=\"_ _39f\"> </span>Private<span class=\"_ _42\"> </span><span class=\"ff2\">1.031.891<span class=\"_ _13c\"> </span>36.607<span class=\"_ _fd\"> </span>2.986<span class=\"_ _10d\"> </span>22.714<span class=\"_ _112\"> </span>1.094.199<span class=\"_ _d3\"> </span></span>7,5 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">919.804<span class=\"_ _10d\"> </span>54.088<span class=\"_ _fd\"> </span>1.478<span class=\"_ _13c\"> </span>40.506<span class=\"_ _112\"> </span>1.015.877<span class=\"_ _9d\"> </span></span>6,9 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">957.665<span class=\"_ _fd\"> </span>8.061<span class=\"_ _14e\"> </span>25<span class=\"_ _89\"> </span>336<span class=\"_ _91\"> </span>966.088<span class=\"_ _9d\"> </span></span>6,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">574.483<span class=\"_ _91\"> </span>138.310<span class=\"_ _fd\"> </span>1.378<span class=\"_ _10d\"> </span>20.827<span class=\"_ _91\"> </span>734.999<span class=\"_ _9d\"> </span><span class=\"ff4\">5,0 %<span class=\"_ _39f\"> </span></span></span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">615.788<span class=\"_ _9a\"> </span>18.092<span class=\"_ _11c\"> </span>6.396<span class=\"_ _13c\"> </span>29.181<span class=\"_ _91\"> </span>669.457<span class=\"_ _9d\"> </span></span>4,6 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _2f9\"> </span><span class=\"ff2 lse wse\">352.182<span class=\"_ _13c\"> </span>50.450<span class=\"_ _116\"> </span>304<span class=\"_ _fd\"> </span>5.892<span class=\"_ _59\"> </span>408.828<span class=\"_ _9d\"> </span><span class=\"ff4\">2,8 %<span class=\"_ _39f\"> </span></span></span>\u00d6ffentliche Hand<span class=\"_ _1a3\"> </span><span class=\"ff2\">307.261<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _91\"> </span></span>307.261<span class=\"_ _9d\"> </span></span>2,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _39f\"> </span>252.035<span class=\"_ _13c\"> </span>12.168<span class=\"_ _116\"> </span>329<span class=\"_ _116\"> </span>806<span class=\"_ _59\"> </span>265.339<span class=\"_ _9d\"> </span><span class=\"ff4\">1,8 %<span class=\"_ _39f\"> </span></span>Seilbahnen<span class=\"_ _39f\"> </span>252.801<span class=\"_ _116\"> </span>994<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _91\"> </span></span>253.795<span class=\"_ _9d\"> </span><span class=\"ff4\">1,7 %<span class=\"_ _39f\"> </span></span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _104\"> </span><span class=\"ff2\">96.802<span class=\"_ _a2\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _14e\"> </span></span>13<span class=\"_ _9a\"> </span>96.815<span class=\"_ _9d\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">89.680<span class=\"_ _fd\"> </span>2.828<span class=\"_ _116\"> </span>394<span class=\"_ _fd\"> </span>1.101<span class=\"_ _10d\"> </span>94.003<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">156.101<span class=\"_ _10d\"> </span>14.554<span class=\"_ _9a\"> </span>14.973<span class=\"_ _10d\"> </span>19.425<span class=\"_ _91\"> </span>205.053<span class=\"_ _9d\"> </span></span>1,4 %<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _109\"> </span><span class=\"ff2\">148.371<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _a2\"> </span>0<span class=\"_ _147\"> </span>0<span class=\"_ _59\"> </span></span>148.371<span class=\"_ _9d\"> </span></span>1,0 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _c3\"> </span><span class=\"ff2\">91.775<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _a2\"> </span>0<span class=\"_ _13c\"> </span></span>91.775<span class=\"_ _9d\"> </span></span>0,6 %<span class=\"_ _39f\"> </span>Sachg\u00fctererzeugung<span class=\"_ _17b\"> </span><span class=\"ff2\">12.578<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>12.578<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _39f\"> </span>9.335<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>9.335<span class=\"_ _9d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span>Handel<span class=\"_ _161\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _11c\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>8.407<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _9b\"> </span><span class=\"ff2\">4.003<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>4.194<span class=\"_ _11c\"> </span>8.196<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _6a\"> </span><span class=\"ff2 lse wse\">6.832<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _fd\"> </span></span>6.832<span class=\"_ _9d\"> </span><span class=\"ff4\">0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _2f4\"> </span><span class=\"ff2\">4.904<span class=\"_ _89\"> </span>255<span class=\"_ _109\"> </span>193<span class=\"_ _116\"> </span>221<span class=\"_ _fd\"> </span>5.573<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Seilbahnen<span class=\"_ _2fb\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _147\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _28f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten<span class=\"_ _39f\"> </span>Bauwe<span class=\"_ _2\"></span>sen<span class=\"_ _25b\"> </span><span class=\"ff2 lse wse\">1.201.558<span class=\"_ _13c\"> </span>26.852<span class=\"_ _116\"> </span>107<span class=\"_ _116\"> </span>637<span class=\"_ _112\"> </span>1.229.154<span class=\"_ _9d\"> </span><span class=\"ff4\">8,4 %<span class=\"_ _39f\"> </span></span></span>Sachg\u00fctererzeugung<span class=\"_ _2de\"> </span><span class=\"ff2\">1.005.395<span class=\"_ _10d\"> </span>45.443<span class=\"_ _fd\"> </span>2.183<span class=\"_ _13c\"> </span>11.739<span class=\"_ _112\"> </span>1.064.761<span class=\"_ _9d\"> </span></span>7,3 %<span class=\"_ _39f\"> </span>Realit\u00e4tenwes<span class=\"_ _9\"></span>en<span class=\"_ _16d\"> </span><span class=\"ff2\">513.705<span class=\"_ _10d\"> </span>47.233<span class=\"_ _89\"> </span>694<span class=\"_ _11c\"> </span>4.501<span class=\"_ _91\"> </span>566.132<span class=\"_ _9d\"> </span></span>3,9 %<span class=\"_ _39f\"> </span>Dienstleistungen<span class=\"_ _169\"> </span><span class=\"ff2\">461.353<span class=\"_ _10d\"> </span>11.563<span class=\"_ _89\"> </span>113<span class=\"_ _11c\"> </span>8.266<span class=\"_ _91\"> </span>481.295<span class=\"_ _9d\"> </span></span>3,3 %<span class=\"_ _39f\"> </span>Handel<span class=\"_ _3c\"> </span><span class=\"ff2\">370.794<span class=\"_ _fd\"> </span>8.140<span class=\"_ _fd\"> </span>2.145<span class=\"_ _fd\"> </span>4.392<span class=\"_ _91\"> </span>385.470<span class=\"_ _9d\"> </span></span>2,6 %<span class=\"_ _39f\"> </span>Fremden<span class=\"_ _9\"></span>verkeh<span class=\"_ _9\"></span>r<span class=\"_ _75\"> </span><span class=\"ff2 lse wse\">160.028<span class=\"_ _13c\"> </span>31.570<span class=\"_ _14e\"> </span>12<span class=\"_ _fd\"> </span>1.581<span class=\"_ _106\"> </span>193.192<span class=\"_ _9d\"> </span><span class=\"ff4\">1,3 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span></span></span>Private<span class=\"_ _14d\"> </span><span class=\"ff2\">136.169<span class=\"_ _fd\"> </span>1.038<span class=\"_ _109\"> </span>127<span class=\"_ _148\"> </span>38<span class=\"_ _91\"> </span>137.372<span class=\"_ _9d\"> </span></span>0,9 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Energie- und <span class=\"_ _2\"></span>Was<span class=\"_ _9\"></span>ser<span class=\"_ _2\"></span>versorgung<span class=\"_ _102\"> </span><span class=\"ff2\">119.713<span class=\"_ _148\"> </span>20<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _91\"> </span></span>119.733<span class=\"_ _9d\"> </span></span>0,8 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Kredit- und <span class=\"_ _2\"></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rsicherungswesen<span class=\"_ _14e\"> </span><span class=\"ff2\">96.499<span class=\"_ _fd\"> </span>1.905<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>98.403<span class=\"_ _d3\"> </span></span>0,7 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rkehr und Nachrichten\u00fcbermittlung<span class=\"_ _92\"> </span><span class=\"ff2 lse wse\">56.045<span class=\"_ _116\"> </span>267<span class=\"_ _14e\"> </span>92<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _13c\"> </span></span>56.404<span class=\"_ _9d\"> </span><span class=\"ff4\">0,4 %<span class=\"_ _39f\"> </span></span></span>Seilbahnen<span class=\"_ _2be\"> </span><span class=\"ff2\">42.423<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">5<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _10d\"> </span></span>42.428<span class=\"_ _d3\"> </span></span>0,3 %<span class=\"_ _39f\"> </span>\u00d6ffentliche Hand<span class=\"_ _184\"> </span><span class=\"ff2\">3.621<span class=\"_ _147\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2fd\"> </span>0<span class=\"_ _2fd\"> </span>0<span class=\"_ _11c\"> </span></span>3.621<span class=\"_ _9d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Sonstige<span class=\"_ _1b4\"> </span><span class=\"ff2\">15.109<span class=\"_ _116\"> </span>205<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">6<span class=\"_ _147\"> </span>0<span class=\"_ _10d\"> </span></span>15.320<span class=\"_ _9d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _2fc\"> </span>13.466.910<span class=\"_ _12e\"> </span>855.296<span class=\"_ _113\"> </span>60.505<span class=\"_ _12e\"> </span>270.285<span class=\"_ _b6\"> </span>14.652.996<span class=\"_ _f4\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">7.813.063<span class=\"_ _12b\"> </span>894.170<span class=\"_ _145\"> </span>55.865<span class=\"_ _12b\"> </span>301.983<span class=\"_ _8e\"> </span>9.065.082<span class=\"_ _59\"> </span><span class=\"ff4\">59,6 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">852.101<span class=\"_ _145\"> </span>10.140<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">3<span class=\"_ _99\"> </span></span>5.751<span class=\"_ _12b\"> </span>867.995<span class=\"_ _10d\"> </span></span>5,7 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">196.175<span class=\"_ _99\"> </span>9.759<span class=\"_ _d3\"> </span>714<span class=\"_ _1e3\"> </span>1.570<span class=\"_ _90\"> </span>208.218<span class=\"_ _10d\"> </span><span class=\"ff4\">1,4 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">23.899<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span><span class=\"wse\">402<span class=\"_ _145\"> </span>24.301<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">1.683<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>1.683<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.090<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _145\"> </span></span>20.091<span class=\"_ _10d\"> </span></span>0,1 %<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">378.435<span class=\"_ _145\"> </span>61.655<span class=\"_ _f4\"> </span>29.512<span class=\"_ _145\"> </span>23.527<span class=\"_ _90\"> </span>493.129<span class=\"_ _10d\"> </span><span class=\"ff4\">3,2 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">7.027<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>7.027<span class=\"_ _10d\"> </span></span>0,0 %     CHF<span class=\"_ _a0\"> </span><span class=\"ls2\">8<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.895<span class=\"_ _99\"> </span>1.903<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.920.973<span class=\"_ _12b\"> </span>206.396<span class=\"_ _145\"> </span>23.958<span class=\"_ _145\"> </span>20.977<span class=\"_ _ee\"> </span>4.172.304<span class=\"_ _114\"> </span><span class=\"ff4\">27,4 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">276.115<span class=\"_ _99\"> </span>1.009<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>212<span class=\"_ _90\"> </span>277.336<span class=\"_ _10d\"> </span></span>1,8 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">42.503<span class=\"_ _d3\"> </span>371<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">13<span class=\"_ _145\"> </span>42.887<span class=\"_ _10d\"> </span><span class=\"ff4\">0,3 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">7.741<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">7.741<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 <span class=\"_ _2\"></span>%</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">715<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>715<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">15.670<span class=\"_ _d3\"> </span>128<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>6<span class=\"_ _145\"> </span></span>15.805<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.549.171<span class=\"_ _10a\"> </span>1.190.657<span class=\"_ _97\"> </span>110.053<span class=\"_ _e2\"> </span>356.337<span class=\"_ _5d\"> </span>15.206.217<span class=\"_ _111\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur des <span class=\"_ _2\"></span>Kreditrisikos nach W\u00e4hrungen<span class=\"_ _39f\"> </span>9<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>3 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>91<span class=\"_ _9\"></span>,<span class=\"_ _2\"></span>5 %<span class=\"_ _2\"></span>) de<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>sikovolume<span class=\"_ _2\"></span>ns b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ef<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>n Fo<span class=\"_ _2\"></span>rder<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>Euro. A<span class=\"_ _2\"></span>uf S<span class=\"_ _2\"></span>chweizer <span class=\"_ _2\"></span>Fr<span class=\"_ _2\"></span>anken <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>2 %<span class=\"_ _39f\"> </span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0 %<span class=\"_ _2\"></span>), <span class=\"_ _2\"></span>die re<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en W<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>5 % <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>0,4 %<span class=\"_ _2\"></span>) d<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>volume<span class=\"_ _2\"></span>ns<span class=\"_ _2\"></span>. Dab<span class=\"_ _2\"></span>ei s<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>der Ante<span class=\"_ _2\"></span>il de<span class=\"_ _2\"></span>r CH<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzie<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>im Eur<span class=\"_ _2\"></span>o<span class=\"_ _2\"></span>-W\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sgebie<span class=\"_ _2\"></span>t um <span class=\"_ _2\"></span>\u2212<span class=\"_ _2\"></span>0,<span class=\"_ _3\"></span>2 %<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>P<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e au<span class=\"_ _2\"></span>f 1,7 %<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>02<span class=\"_ _4\"></span>4 in T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>W\u00e4hrung<span class=\"_ _39f\"> </span>Ohne<span class=\"_ _39f\"> </span>erkennbares<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _100\"> </span>Notleidend<span class=\"_ _1e2\"> </span>G<span class=\"_ _2\"></span>esamt<span class=\"_ _fc\"> </span><span class=\"ws1\">Anteil in %<span class=\"_ _39f\"> </span></span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">8.046.554<span class=\"_ _12b\"> </span>611.761<span class=\"_ _145\"> </span>38.287<span class=\"_ _12b\"> </span>202.165<span class=\"_ _8e\"> </span>8.898.767<span class=\"_ _59\"> </span><span class=\"ff4\">60,7 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">575.750<span class=\"_ _145\"> </span>25.891<span class=\"_ _6a\"> </span>660<span class=\"_ _145\"> </span>10.630<span class=\"_ _90\"> </span>612.931<span class=\"_ _10d\"> </span></span>4,2 %     CHF<span class=\"_ _215\"> </span><span class=\"wse\">199.237<span class=\"_ _145\"> </span>19.933<span class=\"_ _d3\"> </span>912<span class=\"_ _1e3\"> </span>1.845<span class=\"_ _90\"> </span>221.926<span class=\"_ _10d\"> </span><span class=\"ff4\">1,5 %</span></span>     USD<span class=\"_ _24e\"> </span><span class=\"wse\">21.958<span class=\"_ _6a\"> </span>254<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _d3\"> </span></span><span class=\"wse\">650<span class=\"_ _f4\"> </span>22.862<span class=\"_ _10d\"> </span><span class=\"ff4\">0,2 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _250\"> </span><span class=\"ff2\">4.921<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>4.921<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _302\"> </span><span class=\"ff2\">2.182<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span>3<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>2.185<span class=\"_ _10d\"> </span></span>0,0 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t     EUR<span class=\"_ _2fe\"> </span><span class=\"lse wse\">433.669<span class=\"_ _145\"> </span>14.809<span class=\"_ _f4\"> </span>15.165<span class=\"_ _145\"> </span>21.939<span class=\"_ _90\"> </span>485.583<span class=\"_ _10d\"> </span><span class=\"ff4\">3,3 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _2ff\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _99\"> </span></span><span class=\"ff2\">8.407<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span>8.407<span class=\"_ _10d\"> </span></span>0,1 %     CHF<span class=\"_ _303\"> </span><span class=\"wse\">229<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _88\"> </span>0<span class=\"_ _1cc\"> </span></span><span class=\"wse\">1.900<span class=\"_ _99\"> </span>2.130<span class=\"_ _10d\"> </span><span class=\"ff4\">0,0 %</span></span>     USD<span class=\"_ _ab\"> </span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span><span class=\"ff4 wse\">0,0 %</span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _300\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _88\"> </span>0<span class=\"_ _92\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _201\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _10d\"> </span></span>0,0 %<span class=\"_ _39f\"> </span>Au\u00dferbilanzielle Posten     EUR<span class=\"_ _244\"> </span><span class=\"lse wse\">3.828.407<span class=\"_ _12b\"> </span>165.951<span class=\"_ _99\"> </span>5.478<span class=\"_ _145\"> </span>30.489<span class=\"_ _ee\"> </span>4.030.325<span class=\"_ _114\"> </span><span class=\"ff4\">27,5 %</span></span>   <span class=\"_ _2\"></span>  CHF <span class=\"_ _2\"></span>mit Schweizer Kunden<span class=\"_ _da\"> </span><span class=\"ff2\">264.591<span class=\"_ _99\"> </span>7.281<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span>648<span class=\"_ _90\"> </span>272.520<span class=\"_ _10d\"> </span></span>1,9 %     CHF<span class=\"_ _2ea\"> </span><span class=\"wse\">59.700<span class=\"_ _d3\"> </span>281<span class=\"_ _88\"> </span></span><span class=\"ls2\">0<span class=\"_ _de\"> </span></span><span class=\"wse\">11<span class=\"_ _145\"> </span>59.992<span class=\"_ _10d\"> </span><span class=\"ff4\">0,4 %</span></span>     USD<span class=\"_ _301\"> </span><span class=\"wse\">8.090<span class=\"_ _6a\"> </span>294<span class=\"_ _cc\"> </span></span><span class=\"ls2\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _99\"> </span></span><span class=\"wse\">8.384<span class=\"_ _10d\"> </span><span class=\"ff4\">0,1 %</span></span>   <span class=\"_ _2\"></span>  JPY<span class=\"_ _a9\"> </span><span class=\"ff2\">787<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _cc\"> </span>0<span class=\"_ _d3\"> </span></span>787<span class=\"_ _10d\"> </span></span>0,0 %   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige<span class=\"_ _1d2\"> </span><span class=\"ff2\">20.836<span class=\"_ _d3\"> </span>433<span class=\"_ _88\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>7<span class=\"_ _145\"> </span></span>21.276<span class=\"_ _10d\"> </span></span>0,1 <span class=\"_ _2\"></span>%<span class=\"_ _39f\"> </span>Gesamt<span class=\"_ _ce\"> </span>13.466.910<span class=\"_ _e2\"> </span>855.296<span class=\"_ _13d\"> </span>60.505<span class=\"_ _97\"> </span>270.285<span class=\"_ _f\"> </span>14.652.996<span class=\"_ _df\"> </span><span class=\"ws1\">100,0 %<span class=\"_ _39f\"> </span></span>Bonit\u00e4tsstr<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>tur nach <span class=\"_ _2\"></span>W\u00e4hrungen zum 3<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>023 in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-576": {
   "value": "Erhaltene Sicherhe<span class=\"_ _2\"></span>iten<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V g<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _3\"></span>t Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>Hy<span class=\"_ _2\"></span>poth<span class=\"_ _2\"></span>eke<span class=\"_ _2\"></span>n, Wer<span class=\"_ _2\"></span>tp<span class=\"_ _2\"></span>apie<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>ons<span class=\"_ _2\"></span>tigen <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erm<span class=\"_ _2\"></span>\u00f6gen<span class=\"_ _2\"></span>swe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Insb<span class=\"_ _2\"></span>eson<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>i sc<span class=\"_ _2\"></span>hlec<span class=\"_ _2\"></span>hte<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ren <span class=\"_ _2\"></span>Risi<span class=\"_ _2\"></span>kokl<span class=\"_ _2\"></span>assen <span class=\"_ _2\"></span>wird <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f ge<span class=\"_ _2\"></span>achte<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ass m<span class=\"_ _2\"></span>it ab<span class=\"_ _2\"></span>nehm<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>er Q<span class=\"_ _2\"></span>ual<span class=\"_ _2\"></span>it\u00e4<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>rbo<span class=\"_ _2\"></span>nit<span class=\"_ _2\"></span>\u00e4t di<span class=\"_ _2\"></span>e H\u00f6<span class=\"_ _2\"></span>he d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung ste<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>nied<span class=\"_ _2\"></span>rige<span class=\"_ _2\"></span>re B<span class=\"_ _2\"></span>esic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sant<span class=\"_ _2\"></span>eil i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>onit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>e \u201e<span class=\"_ _2\"></span>N<span class=\"_ _2\"></span>otle<span class=\"_ _2\"></span>iden<span class=\"_ _2\"></span>d\u201c <span class=\"_ _2\"></span>(<span class=\"_ _9\"></span>dieser <span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>ateg<span class=\"_ _2\"></span>ori<span class=\"_ _2\"></span>e werd<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>usgef<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>e Ku<span class=\"_ _2\"></span>nden zugeo<span class=\"_ _2\"></span>rdne<span class=\"_ _2\"></span>t) ist a<span class=\"_ _2\"></span>uf b<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>s dur<span class=\"_ _2\"></span>chge<span class=\"_ _2\"></span>f\u00fch<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>en vo<span class=\"_ _2\"></span>n Sic<span class=\"_ _2\"></span>her<span class=\"_ _2\"></span>hei<span class=\"_ _2\"></span>ten z<span class=\"_ _2\"></span>ur\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>zuf<span class=\"_ _2\"></span>\u00fchr<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Hinsi<span class=\"_ _2\"></span>chtl<span class=\"_ _2\"></span>ich I<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>R<span class=\"_ _2\"></span>S 7<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>5 <span class=\"_ _2\"></span>hat <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V de<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>zeit ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ar<span class=\"_ _3\"></span>tigen <span class=\"_ _2\"></span>Sich<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>heit<span class=\"_ _2\"></span>envere<span class=\"_ _2\"></span>inba<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>202<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>in T<span class=\"_ _10\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.907.011<span class=\"_ _9c\"> </span>914.071<span class=\"_ _20\"> </span>56.582<span class=\"_ _9c\"> </span>309.707<span class=\"_ _d8\"> </span>10.187.371</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.571.046<span class=\"_ _9c\"> </span>407.132<span class=\"_ _20\"> </span>31.354<span class=\"_ _9c\"> </span>101.709<span class=\"_ _13d\"> </span>3.111.240</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">91.661<span class=\"_ _214\"> </span>3.792<span class=\"_ _70\"> </span>104<span class=\"_ _70\"> </span>653<span class=\"_ _20\"> </span>96.210</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">826.864<span class=\"_ _20\"> </span>80.210<span class=\"_ _214\"> </span>6.499<span class=\"_ _1e6\"> </span>14.937<span class=\"_ _9c\"> </span>928.511</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>39,2 %<span class=\"_ _fe\"> </span>53,7 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,1 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>37,9 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,6 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">35.916<span class=\"_ _20\"> </span>16.015<span class=\"_ _214\"> </span>1.580<span class=\"_ _9c\"> </span>156.614<span class=\"_ _9c\"> </span>210.125<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">378.442<span class=\"_ _20\"> </span>68.682<span class=\"_ _1e6\"> </span>29.512<span class=\"_ _20\"> </span>25.422<span class=\"_ _9c\"> </span>502.059</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">57.252<span class=\"_ _1e6\"> </span>38.081<span class=\"_ _20\"> </span>19.831<span class=\"_ _20\"> </span>17.493<span class=\"_ _9c\"> </span>132.658</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">404<span class=\"_ _117\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>404</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _266\"> </span><span class=\"ff2\">677<span class=\"_ _80\"> </span>12<span class=\"_ _16e\"> </span>24<span class=\"_ _70\"> </span>200<span class=\"_ _70\"> </span>914</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>15,4 %<span class=\"_ _fe\"> </span>55,5 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>67,3 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>69,6 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>26,7 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.263.717<span class=\"_ _9c\"> </span>207.904<span class=\"_ _20\"> </span>23.958<span class=\"_ _20\"> </span>21.208<span class=\"_ _158\"> </span>4.516.788</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">225.694<span class=\"_ _1e6\"> </span>50.635<span class=\"_ _214\"> </span>5.095<span class=\"_ _70\"> </span>685<span class=\"_ _9c\"> </span>282.108</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">59.629<span class=\"_ _70\"> </span>448<span class=\"_ _70\"> </span>411<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">1<span class=\"_ _1e6\"> </span></span>60.489</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">111.551<span class=\"_ _214\"> </span>5.549<span class=\"_ _214\"> </span>2.858<span class=\"_ _3f\"> </span>1.166<span class=\"_ _9c\"> </span>121.124</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>28,1 %<span class=\"_ _fe\"> </span>86,5 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>105,6 %<span class=\"_ _fd\"> </span>13,8 %<span class=\"_ _fe\"> </span>31,0 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">22.128<span class=\"_ _214\"> </span>6.826<span class=\"_ _214\"> </span>1.917<span class=\"_ _3f\"> </span>9.639<span class=\"_ _20\"> </span>40.509<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.549.171<span class=\"_ _1e2\"> </span>1.190.657<span class=\"_ _91\"> </span>110.053<span class=\"_ _106\"> </span>356.337<span class=\"_ _ee\"> </span>15.206.217</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.853.991<span class=\"_ _91\"> </span>495.847<span class=\"_ _10d\"> </span>56.280<span class=\"_ _106\"> </span>119.887<span class=\"_ _111\"> </span>3.526.006</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">151.693<span class=\"_ _6a\"> </span>4.241<span class=\"_ _102\"> </span>515<span class=\"_ _102\"> </span>654<span class=\"_ _91\"> </span>157.104</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">939.093<span class=\"_ _13c\"> </span>85.772<span class=\"_ _d3\"> </span>9.381<span class=\"_ _13c\"> </span>16.303<span class=\"_ _111\"> </span>1.050.549</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>36,9 %<span class=\"_ _6b\"> </span>55,9 %<span class=\"_ _14b\"> </span>70,4 %<span class=\"_ _6b\"> </span>39,2 %<span class=\"_ _14b\"> </span>38,8 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">58.043<span class=\"_ _10d\"> </span>22.841<span class=\"_ _6a\"> </span>3.497<span class=\"_ _91\"> </span>166.253<span class=\"_ _106\"> </span>250.633<span class=\"_ _39f\"> </span></span>Erhaltene Sicherheiten zum 31<span class=\"_ _10\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2023 in T<span class=\"_ _10\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _39f\"> </span>We<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _39f\"> </span>Ohn<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span> erkennbares<span class=\"_ _9\"></span> Ausfallrisiko<span class=\"_ _39f\"> </span>Mit<span class=\"_ _39f\"> </span>Anmerkung<span class=\"_ _39f\"> </span>Erh\u00f6htes<span class=\"_ _39f\"> </span>Ausfallrisiko<span class=\"_ _e3\"> </span>Notleidend<span class=\"_ _192\"> </span>Gesamt<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>te Anschaffungskosten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">8.850.601<span class=\"_ _9c\"> </span>657.840<span class=\"_ _20\"> </span>39.862<span class=\"_ _9c\"> </span>215.290<span class=\"_ _13d\"> </span>9.763.593</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _13\"> </span><span class=\"ff2\">2.506.511<span class=\"_ _9c\"> </span>301.245<span class=\"_ _20\"> </span>19.104<span class=\"_ _20\"> </span>77.244<span class=\"_ _158\"> </span>2.904.104</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">85.177<span class=\"_ _214\"> </span>3.760<span class=\"_ _16e\"> </span>60<span class=\"_ _70\"> </span>648<span class=\"_ _20\"> </span>89.644</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">848.900<span class=\"_ _20\"> </span>74.193<span class=\"_ _214\"> </span>3.158<span class=\"_ _1e6\"> </span>13.253<span class=\"_ _9c\"> </span>939.504</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>38,9 %<span class=\"_ _fe\"> </span>57,6 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>56,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>42,3 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>40,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">34.281<span class=\"_ _214\"> </span>9.356<span class=\"_ _214\"> </span>1.861<span class=\"_ _9c\"> </span>108.892<span class=\"_ _9c\"> </span>154.389<span class=\"_ _39f\"> </span></span>Beizulegender Zeitwer<span class=\"_ _2\"></span>t   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _1c\"> </span><span class=\"ff2\">433.898<span class=\"_ _20\"> </span>23.216<span class=\"_ _1e6\"> </span>15.165<span class=\"_ _20\"> </span>23.840<span class=\"_ _9c\"> </span>496.120</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _16c\"> </span><span class=\"ff2\">85.986<span class=\"_ _3f\"> </span>6.824<span class=\"_ _20\"> </span>12.433<span class=\"_ _20\"> </span>17.209<span class=\"_ _9c\"> </span>122.452</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _1b4\"> </span><span class=\"ff2\">455<span class=\"_ _16e\"> </span>55<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>0<span class=\"_ _70\"> </span></span>510</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _308\"> </span><span class=\"ff2\">2.017<span class=\"_ _16e\"> </span>42<span class=\"_ _32\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _88\"> </span></span>482<span class=\"_ _214\"> </span>2.542</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>20,4 %<span class=\"_ _fe\"> </span>29,8 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>82,0 <span class=\"_ _2\"></span>%<span class=\"_ _fe\"> </span>74,2 <span class=\"_ _2\"></span>%<span class=\"_ _fd\"> </span>25,3 %   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _307\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _1e7\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _117\"> </span>0<span class=\"_ _1e7\"> </span>0<span class=\"_ _39f\"> </span></span>Au\u00dferbilanzielle Posten   <span class=\"_ _2\"></span>  Gesamt<span class=\"_ _2\"></span>ausn\u00fctzung<span class=\"_ _304\"> </span><span class=\"ff2\">4.182.411<span class=\"_ _9c\"> </span>174.240<span class=\"_ _214\"> </span>5.478<span class=\"_ _20\"> </span>31.155<span class=\"_ _158\"> </span>4.393.284</span>   <span class=\"_ _2\"></span>  Gr<span class=\"_ _2\"></span>undb\u00fccherliche Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _271\"> </span><span class=\"ff2\">291.415<span class=\"_ _1e6\"> </span>14.665<span class=\"_ _214\"> </span>1.485<span class=\"_ _214\"> </span>2.045<span class=\"_ _9c\"> </span>309.611</span>   <span class=\"_ _2\"></span>  Wertpapier-Sicher<span class=\"_ _2\"></span>heiten<span class=\"_ _305\"> </span><span class=\"ff2\">19.083<span class=\"_ _70\"> </span>766<span class=\"_ _1e7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _117\"> </span>1<span class=\"_ _20\"> </span></span>19.850</span>   <span class=\"_ _2\"></span>  Sons<span class=\"_ _2\"></span>tige Sicherheiten<span class=\"_ _306\"> </span><span class=\"ff2\">122.621<span class=\"_ _214\"> </span>5.702<span class=\"_ _214\"> </span>1.265<span class=\"_ _3f\"> </span>1.323<span class=\"_ _9c\"> </span>130.911</span>   <span class=\"_ _2\"></span>  Summe <span class=\"_ _2\"></span>Besicherung in <span class=\"_ _2\"></span>%<span class=\"_ _2f9\"> </span>32,1 %<span class=\"_ _fe\"> </span>29,0 <span class=\"_ _2\"></span>%<span class=\"_ _9a\"> </span>117,3 %<span class=\"_ _fd\"> </span>19,1 %<span class=\"_ _fe\"> </span>31,9 <span class=\"_ _2\"></span>%   <span class=\"_ _2\"></span>  Risi<span class=\"_ _2\"></span>kov<span class=\"_ _9\"></span>orsorgen<span class=\"_ _25d\"> </span><span class=\"ff2\">23.327<span class=\"_ _214\"> </span>3.972<span class=\"_ _70\"> </span>267<span class=\"_ _20\"> </span>16.182<span class=\"_ _1e6\"> </span>43.748<span class=\"_ _39f\"> </span></span>Gesamt     Gesamtausn\u00fctzung<span class=\"_ _c6\"> </span><span class=\"wse\">13.466.910<span class=\"_ _106\"> </span>855.296<span class=\"_ _10d\"> </span>60.505<span class=\"_ _106\"> </span>270.285<span class=\"_ _ee\"> </span>14.652.996</span>     Grundb\u00fccherliche Sicherheiten<span class=\"_ _152\"> </span><span class=\"wse\">2.883.913<span class=\"_ _91\"> </span>322.734<span class=\"_ _10d\"> </span>33.022<span class=\"_ _10d\"> </span>96.498<span class=\"_ _1e2\"> </span>3.336.167</span>     W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>tpapier-Sicherheiten<span class=\"_ _270\"> </span><span class=\"wse\">104.715<span class=\"_ _6a\"> </span>4.581<span class=\"_ _150\"> </span>60<span class=\"_ _102\"> </span>648<span class=\"_ _91\"> </span>110.004</span>     Sonstige Sicherheiten<span class=\"_ _25b\"> </span><span class=\"wse\">973.538<span class=\"_ _13c\"> </span>79.937<span class=\"_ _d3\"> </span>4.423<span class=\"_ _13c\"> </span>15.058<span class=\"_ _111\"> </span>1.072.956</span>     Summe Besicherung in %<span class=\"_ _2ff\"> </span>37,3 %<span class=\"_ _6b\"> </span>54,0 %<span class=\"_ _14b\"> </span>65,4 %<span class=\"_ _6b\"> </span>43,7 %<span class=\"_ _14b\"> </span>38,6 %     Risiko<span class=\"_ _4\"></span>vorsorgen<span class=\"_ _266\"> </span><span class=\"wse\">57.608<span class=\"_ _10d\"> </span>13.328<span class=\"_ _6a\"> </span>2.128<span class=\"_ _91\"> </span>125.073<span class=\"_ _106\"> </span>198.138<span class=\"_ _39f\"> </span></span>33 <span class=\"ws1\">Sonstige Angaben<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _31e\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Sicherheit <span class=\"_ _2\"></span>gestellte V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>m\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _163\"> </span><span class=\"ff2\">715.887<span class=\"_ _12b\"> </span>696.022<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _27f\"> </span><span class=\"ff2\">30.454<span class=\"_ _145\"> </span>33.970<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _31f\"> </span><span class=\"ff2\">2.364.211<span class=\"_ _ee\"> </span>2.452.149<span class=\"_ _39f\"> </span></span>I) Als Sicherheit gestellte V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _52\"> </span><span class=\"wse\">3.110.551<span class=\"_ _125\"> </span>3.182.141<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten, f\u00fcr <span class=\"_ _2\"></span>die Sicherh<span class=\"_ _2\"></span>eiten \u00fcber<span class=\"_ _2\"></span>tragen wurden:<span class=\"_ _39f\"> </span>M\u00fcndelgeldeinlagen<span class=\"_ _320\"> </span><span class=\"ff2\">25.452<span class=\"_ _145\"> </span>26.525<span class=\"_ _39f\"> </span></span>Begebene Schuldverschreibungen<span class=\"_ _20c\"> </span><span class=\"ff2\">440.772<span class=\"_ _90\"> </span>237.792<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">878.005<span class=\"_ _12b\"> </span>994.911<span class=\"_ _39f\"> </span></span>II) V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten, f\u00fcr die Sicherheiten \u00fcber<span class=\"_ _2\"></span>tragen wurden<span class=\"_ _190\"> </span><span class=\"wse\">1.344.229<span class=\"_ _125\"> </span>1.259.228<span class=\"_ _39f\"> </span></span>Nachrangige V<span class=\"_ _9\"></span>erm\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _321\"> </span><span class=\"ff2\">14.197<span class=\"_ _145\"> </span>13.744<span class=\"_ _39f\"> </span></span>Aktien und an<span class=\"_ _2\"></span>dere nicht fes<span class=\"_ _2\"></span>tver<span class=\"_ _2\"></span>zinsliche Wertpapiere<span class=\"_ _22d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>III) N<span class=\"_ _2\"></span>achrangige V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _220\"> </span><span class=\"wse\">14.197<span class=\"_ _13d\"> </span>13.744<span class=\"_ _39f\"> </span></span>Fremdw\u00e4hrungsvolumen:<span class=\"_ _39f\"> </span>Forderungen<span class=\"_ _314\"> </span><span class=\"ff2 lse wse\">1.339.761<span class=\"_ _8e\"> </span>1.140.998<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _322\"> </span><span class=\"ff2\">740.464<span class=\"_ _12b\"> </span>703.649<span class=\"_ _39f\"> </span></span>IV) Fremdw\u00e4hrungsv<span class=\"_ _9\"></span>olumen<span class=\"_ _39f\"> </span>Auslandsvolumen:<span class=\"_ _39f\"> </span>Auslandsaktiva<span class=\"_ _2e1\"> </span><span class=\"ff2\">5.459.656<span class=\"_ _ee\"> </span>5.213.386<span class=\"_ _39f\"> </span></span>Auslandspassiva<span class=\"_ _323\"> </span><span class=\"ff2\">4.455.096<span class=\"_ _ee\"> </span>3.519.063<span class=\"_ _39f\"> </span></span>V) Auslandsvolumen<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>reuhandforderungen:<span class=\"_ _324\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089</span> Forderungen an <span class=\"_ _2\"></span>Kunden<span class=\"_ _2dc\"> </span><span class=\"ff2\">14.965<span class=\"_ _f4\"> </span>18.089<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>reuhandverpflichtungen:<span class=\"_ _23c\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _202\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>VI) T<span class=\"_ _10\"></span>reuhandgesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>VII) Echte Pensionsgesc<span class=\"_ _9\"></span>h\u00e4fte<span class=\"_ _2e2\"> </span><span class=\"wse\">23.000<span class=\"_ _97\"> </span>358.447<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien <span class=\"_ _2\"></span>und Kreditr<span class=\"_ _2\"></span>isiken:<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien<span class=\"_ _1fb\"> </span><span class=\"ff2\">1.497.898<span class=\"_ _8e\"> </span>1.442.582<span class=\"_ _39f\"> </span></span>Kreditrisiken<span class=\"_ _1a7\"> </span><span class=\"ff2\">3.014.949<span class=\"_ _ee\"> </span>2.944.489<span class=\"_ _39f\"> </span></span>VIII) Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllungsgarantien und Kreditrisiken<span class=\"_ _20a\"> </span><span class=\"wse\">4.512.847<span class=\"_ _125\"> </span>4.387.071<span class=\"_ _39f\"> </span></span>IX) Offene Ca<span class=\"_ _2\"></span>pital Calls<span class=\"_ _2a5\"> </span><span class=\"wse\">3.940<span class=\"_ _192\"> </span>6.213<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-29": {
   "value": "33 <span class=\"ws1\">Sonstige Angaben<span class=\"ls2\"> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac</span></span></span><span class=\"ws1\"><span class=\"ls2\"><span class=\"fs9 ls16\"><span class=\"_ _31e\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span></span></span></span>Als Sicherheit <span class=\"_ _2\"></span>gestellte V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>m\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _163\"> </span><span class=\"ff2\">715.887<span class=\"_ _12b\"> </span>696.022<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _27f\"> </span><span class=\"ff2\">30.454<span class=\"_ _145\"> </span>33.970<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _31f\"> </span><span class=\"ff2\">2.364.211<span class=\"_ _ee\"> </span>2.452.149<span class=\"_ _39f\"> </span></span>I) Als Sicherheit gestellte V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _52\"> </span><span class=\"wse\">3.110.551<span class=\"_ _125\"> </span>3.182.141<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten, f\u00fcr <span class=\"_ _2\"></span>die Sicherh<span class=\"_ _2\"></span>eiten \u00fcber<span class=\"_ _2\"></span>tragen wurden:<span class=\"_ _39f\"> </span>M\u00fcndelgeldeinlagen<span class=\"_ _320\"> </span><span class=\"ff2\">25.452<span class=\"_ _145\"> </span>26.525<span class=\"_ _39f\"> </span></span>Begebene Schuldverschreibungen<span class=\"_ _20c\"> </span><span class=\"ff2\">440.772<span class=\"_ _90\"> </span>237.792<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _198\"> </span><span class=\"ff2\">878.005<span class=\"_ _12b\"> </span>994.911<span class=\"_ _39f\"> </span></span>II) V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten, f\u00fcr die Sicherheiten \u00fcber<span class=\"_ _2\"></span>tragen wurden<span class=\"_ _190\"> </span><span class=\"wse\">1.344.229<span class=\"_ _125\"> </span>1.259.228<span class=\"_ _39f\"> </span></span>Nachrangige V<span class=\"_ _9\"></span>erm\u00f6gensgegenst\u00e4nde:<span class=\"_ _39f\"> </span>Schuldverschreibungen und andere <span class=\"_ _2\"></span>fest<span class=\"_ _2\"></span>verzinsliche Wertpapie<span class=\"_ _2\"></span>re<span class=\"_ _321\"> </span><span class=\"ff2\">14.197<span class=\"_ _145\"> </span>13.744<span class=\"_ _39f\"> </span></span>Aktien und an<span class=\"_ _2\"></span>dere nicht fes<span class=\"_ _2\"></span>tver<span class=\"_ _2\"></span>zinsliche Wertpapiere<span class=\"_ _22d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>III) N<span class=\"_ _2\"></span>achrangige V<span class=\"_ _4\"></span>erm\u00f6gensgegenst\u00e4nde<span class=\"_ _220\"> </span><span class=\"wse\">14.197<span class=\"_ _13d\"> </span>13.744<span class=\"_ _39f\"> </span></span>Fremdw\u00e4hrungsvolumen:<span class=\"_ _39f\"> </span>Forderungen<span class=\"_ _314\"> </span><span class=\"ff2 lse wse\">1.339.761<span class=\"_ _8e\"> </span>1.140.998<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten<span class=\"_ _322\"> </span><span class=\"ff2\">740.464<span class=\"_ _12b\"> </span>703.649<span class=\"_ _39f\"> </span></span>IV) Fremdw\u00e4hrungsv<span class=\"_ _9\"></span>olumen<span class=\"_ _39f\"> </span>Auslandsvolumen:<span class=\"_ _39f\"> </span>Auslandsaktiva<span class=\"_ _2e1\"> </span><span class=\"ff2\">5.459.656<span class=\"_ _ee\"> </span>5.213.386<span class=\"_ _39f\"> </span></span>Auslandspassiva<span class=\"_ _323\"> </span><span class=\"ff2\">4.455.096<span class=\"_ _ee\"> </span>3.519.063<span class=\"_ _39f\"> </span></span>V) Auslandsvolumen<span class=\"_ _39f\"> </span>T<span class=\"_ _4\"></span>reuhandforderungen:<span class=\"_ _324\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089</span> Forderungen an <span class=\"_ _2\"></span>Kunden<span class=\"_ _2dc\"> </span><span class=\"ff2\">14.965<span class=\"_ _f4\"> </span>18.089<span class=\"_ _39f\"> </span></span>T<span class=\"_ _4\"></span>reuhandverpflichtungen:<span class=\"_ _23c\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _202\"> </span><span class=\"ff2\">14.965<span class=\"_ _145\"> </span>18.089<span class=\"_ _39f\"> </span></span>VI) T<span class=\"_ _10\"></span>reuhandgesch\u00e4f<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>VII) Echte Pensionsgesc<span class=\"_ _9\"></span>h\u00e4fte<span class=\"_ _2e2\"> </span><span class=\"wse\">23.000<span class=\"_ _97\"> </span>358.447<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien <span class=\"_ _2\"></span>und Kreditr<span class=\"_ _2\"></span>isiken:<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>f\u00fcllungsgarantien<span class=\"_ _1fb\"> </span><span class=\"ff2\">1.497.898<span class=\"_ _8e\"> </span>1.442.582<span class=\"_ _39f\"> </span></span>Kreditrisiken<span class=\"_ _1a7\"> </span><span class=\"ff2\">3.014.949<span class=\"_ _ee\"> </span>2.944.489<span class=\"_ _39f\"> </span></span>VIII) Er<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcllungsgarantien und Kreditrisiken<span class=\"_ _20a\"> </span><span class=\"wse\">4.512.847<span class=\"_ _125\"> </span>4.387.071<span class=\"_ _39f\"> </span></span>IX) Offene Ca<span class=\"_ _2\"></span>pital Calls<span class=\"_ _2a5\"> </span><span class=\"wse\">3.940<span class=\"_ _192\"> </span>6.213<span class=\"_ _39f\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-552": {
   "value": "34 <span class=\"_ _2\"></span>Angaben zu <span class=\"_ _2\"></span>den Gesch\u00e4f<span class=\"_ _3\"></span>ten mit nahe s<span class=\"_ _2\"></span>tehenden Personen Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er g<span class=\"_ _2\"></span>ew\u00f6hnli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>tigke<span class=\"_ _2\"></span>it we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>\u00e4f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>e mit <span class=\"_ _2\"></span>nahe <span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>he<span class=\"_ _2\"></span>nden <span class=\"_ _2\"></span>Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>ehm<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Per<span class=\"_ _2\"></span>sone<span class=\"_ _2\"></span>n zu mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t\u00fcb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en B<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>ingung<span class=\"_ _2\"></span>en un<span class=\"_ _2\"></span>d Ko<span class=\"_ _2\"></span>ndit<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n abg<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>hlosse<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Um<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>ng die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ra<span class=\"_ _2\"></span>nsak<span class=\"_ _3\"></span>tion<span class=\"_ _2\"></span>en i<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>im Fo<span class=\"_ _2\"></span>lgen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>dar<span class=\"_ _2\"></span>ges<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>G<span class=\"lse wse\">esch\u00e4f<span class=\"_ _2\"></span>tsbeziehungen</span> <span class=\"fs9 ls16\">in T<span class=\"_ _4\"></span>sd. \u20ac</span><span class=\"fs9 ls16\"><span class=\"_ _1a9\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span></span>V<span class=\"_ _4\"></span>orst\u00e4nde<span class=\"_ _39f\"> </span>Aktivgesch\u00e4fte <span class=\"_ _2b4\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Aktivgesch\u00e4fte nicht <span class=\"_ _2\"></span>ausgen\u00fctzte Rahmen<span class=\"_ _32a\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Garantien<span class=\"_ _32b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Passivgesch\u00e4fte<span class=\"_ _24b\"> </span><span class=\"ff2\">1.796<span class=\"_ _99\"> </span>1.150<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _32c\"> </span><span class=\"ff2\">53<span class=\"_ _cc\"> </span><span class=\"ls2 ws1\">3<span class=\"_ _39f\"> </span></span></span>Aufwendungen<span class=\"_ _2b1\"> </span>\u22124<span class=\"_ _6a\"> </span>\u221231<span class=\"_ _39f\"> </span>Aufsichtsr\u00e4te<span class=\"_ _39f\"> </span>Aktivgesch\u00e4fte <span class=\"_ _1ab\"> </span><span class=\"ff2\">1.755<span class=\"_ _99\"> </span>1.906<span class=\"_ _39f\"> </span></span>Aktivgesch\u00e4fte nicht <span class=\"_ _2\"></span>ausgen\u00fctzte Rahmen<span class=\"_ _204\"> </span><span class=\"ff2\">2.169<span class=\"_ _99\"> </span>2.150<span class=\"_ _39f\"> </span></span>Garantien<span class=\"_ _32b\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>3<span class=\"_ _39f\"> </span></span>Passivgesch\u00e4fte<span class=\"_ _1f2\"> </span><span class=\"ff2\">14.093<span class=\"_ _145\"> </span>10.833<span class=\"_ _39f\"> </span></span>Er<span class=\"_ _2\"></span>tr\u00e4ge<span class=\"_ _32b\"> </span><span class=\"ff2\">599<span class=\"_ _d3\"> </span>140<span class=\"_ _39f\"> </span></span>Aufwendungen<span class=\"_ _289\"> </span>\u2212117<span class=\"_ _10d\"> </span>\u2212265<span class=\"_ _39f\"> </span>34a <span class=\"_ _2\"></span>Bez\u00fcge der <span class=\"_ _2\"></span>Mitglieder des V<span class=\"_ _9\"></span>orstandes <span class=\"_ _2\"></span>und des Auf<span class=\"_ _2\"></span>sichtsrates Die B<span class=\"_ _2\"></span>ez\u00fcge d<span class=\"_ _2\"></span>er ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>dsmit<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r bet<span class=\"_ _2\"></span>rug<span class=\"_ _2\"></span>en im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>21<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.<span class=\"_ _2\"></span>873 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). Die Pe<span class=\"_ _2\"></span>nsions<span class=\"_ _2\"></span>zahl<span class=\"_ _2\"></span>ungen <span class=\"ff2\"> </span>an ehe<span class=\"_ _2\"></span>malig<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n inkl<span class=\"_ _2\"></span>usive A<span class=\"_ _2\"></span>npassu<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>r Sozialk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>en Auf<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>nd von 3.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>Vorjahr<span class=\"_ _2\"></span>: Auf<span class=\"_ _3\"></span>wand 3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>582 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Der Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and f<span class=\"_ _2\"></span>\u00fcr Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug im Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sjahr 331 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 334 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>rund<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze f<span class=\"_ _2\"></span>\u00fcr die Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>es V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds sin<span class=\"_ _2\"></span>d in der Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik der B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t gem\u00e4<span class=\"_ _2\"></span>\u00df \u00a7 78a Ak<span class=\"_ _3\"></span>tG s<span class=\"_ _2\"></span>owie \u00a7 9<span class=\"_ _2\"></span>8a A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze f<span class=\"_ _2\"></span>\u00fcr die Verg\u00fc<span class=\"_ _2\"></span>tung de<span class=\"_ _2\"></span>r Mit<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>ands d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n auf Vorschl<span class=\"_ _2\"></span>ag des ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 39<span class=\"_ _2\"></span>c BWG im Aufs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V ei<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>ten Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>usses ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 78<span class=\"_ _2\"></span>a Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G bz<span class=\"_ _2\"></span>w. L<span class=\"_ _4\"></span>-<span class=\"_ _3\"></span>Regel 26<span class=\"_ _2\"></span>b de<span class=\"_ _2\"></span>s \u00d6st<span class=\"_ _2\"></span>err<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Cor<span class=\"_ _2\"></span>por<span class=\"_ _2\"></span>ate G<span class=\"_ _2\"></span>overn<span class=\"_ _2\"></span>ance K<span class=\"_ _2\"></span>odex i<span class=\"_ _2\"></span>n der Fa<span class=\"_ _2\"></span>ssung J<span class=\"_ _2\"></span>\u00e4nne<span class=\"_ _2\"></span>r 2020 (\u00d6CGK<span class=\"_ _2\"></span>) dur<span class=\"_ _2\"></span>ch B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>luss de<span class=\"_ _2\"></span>s Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rat<span class=\"_ _2\"></span>s sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r Haup<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>mlung de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>spol<span class=\"_ _2\"></span>itik is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Hau<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>mmlung ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 78<span class=\"_ _2\"></span>b Abs<span class=\"_ _2\"></span>. 1 Ak<span class=\"_ _3\"></span>tG zum<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st in je<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m vier<span class=\"_ _3\"></span>ten G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>jahr zur A<span class=\"_ _2\"></span>bst<span class=\"_ _2\"></span>im<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>mung vor<span class=\"_ _2\"></span>zule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>. Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchrl<span class=\"_ _2\"></span>iche I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en zum Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>m des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ds und de<span class=\"_ _2\"></span>s Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ts d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r im abge<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctu<span class=\"_ _2\"></span>ng sind in d<span class=\"_ _2\"></span>er Verg\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>spol<span class=\"_ _2\"></span>itik ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7<span class=\"_ _2\"></span>\u00a7 78a und 9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>a Ak<span class=\"_ _3\"></span>tG sowie im Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7<span class=\"_ _2\"></span>\u00a7 78c und 9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>a Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>, jewe<span class=\"_ _2\"></span>ils ver<span class=\"_ _2\"></span>\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>t auf de<span class=\"_ _2\"></span>r Hom<span class=\"_ _2\"></span>epag<span class=\"_ _2\"></span>e der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V (ww<span class=\"_ _3\"></span>w.bt<span class=\"_ _2\"></span>v.at), darg<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>stellt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik lieg<span class=\"_ _3\"></span>t in ange<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nsan<span class=\"_ _2\"></span>reize<span class=\"_ _2\"></span>n zur nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klu<span class=\"_ _2\"></span>ng und F\u00f6rd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung der G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egie s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>r lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung des B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rns<span class=\"_ _2\"></span>. Sie s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t zude<span class=\"_ _2\"></span>m sich<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, dass die G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mt-<span class=\"_ _39f\"> </span>verg<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>ung der M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>ds in ei<span class=\"_ _2\"></span>nem ang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>en Verh\u00e4lt<span class=\"_ _2\"></span>nis zur L<span class=\"_ _2\"></span>age d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V u<span class=\"_ _2\"></span>nd zur in ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbare<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>men \u00fcb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Verg\u00fct<span class=\"_ _2\"></span>ung st<span class=\"_ _2\"></span>eht<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Mi<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>liede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ds er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n fixe Verg\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andte<span class=\"_ _2\"></span>ile<span class=\"_ _2\"></span>, die er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgsu<span class=\"_ _2\"></span>nabh<span class=\"_ _2\"></span>\u00e4ngig si<span class=\"_ _2\"></span>nd, s<span class=\"_ _2\"></span>owie va<span class=\"_ _2\"></span>ria<span class=\"_ _2\"></span>ble Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>teile<span class=\"_ _2\"></span>, bas<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f der Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllung von fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n, R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien un<span class=\"_ _2\"></span>d nich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len al<span class=\"_ _2\"></span>lgeme<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n und ind<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>du<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>elle<span class=\"_ _2\"></span>n Leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsk<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Die K<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n hat kei<span class=\"_ _2\"></span>nen Ein<span class=\"_ _2\"></span>fluss a<span class=\"_ _2\"></span>uf die Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>er Mit<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>or dem H<span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s die BT<span class=\"_ _3\"></span>V ei<span class=\"_ _2\"></span>n im Sinn<span class=\"_ _2\"></span>e der b<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n \u201eho<span class=\"_ _2\"></span>chkomp<span class=\"_ _2\"></span>lexes I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>t\u201c da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, gela<span class=\"_ _2\"></span>ngen au<span class=\"_ _2\"></span>f die B<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssung und d<span class=\"_ _2\"></span>ie Ausz<span class=\"_ _2\"></span>ahlung d<span class=\"_ _2\"></span>er va<span class=\"_ _2\"></span>ria<span class=\"_ _2\"></span>blen Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>er Mi<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>des die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen d<span class=\"_ _2\"></span>es <span class=\"ff2\"> </span>\u00a7 39b BWG einsc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dflich de<span class=\"_ _2\"></span>r Anl<span class=\"_ _2\"></span>age zu \u00a7 39<span class=\"_ _2\"></span>b BWG im vollen U<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ang zur A<span class=\"_ _2\"></span>nwendung<span class=\"_ _2\"></span>. Gem<span class=\"_ _2\"></span>\u00e4\u00df dies<span class=\"_ _2\"></span>en ba<span class=\"_ _2\"></span>nka<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n ist e<span class=\"_ _2\"></span>in Ante<span class=\"_ _2\"></span>il von zum<span class=\"_ _2\"></span>indes<span class=\"_ _2\"></span>t 4<span class=\"_ _2\"></span>0 % de<span class=\"_ _2\"></span>r var<span class=\"_ _2\"></span>iab<span class=\"_ _2\"></span>len Verg<span class=\"_ _2\"></span>\u00fctung a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von f<span class=\"_ _2\"></span>\u00fcnf J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>llte Verg<span class=\"_ _2\"></span>\u00fctung w<span class=\"_ _2\"></span>ird in di<span class=\"_ _2\"></span>esem M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum nic<span class=\"_ _2\"></span>ht sch<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>er als a<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>ig er<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>. h<span class=\"_ _2\"></span>. jede<span class=\"_ _2\"></span>s Ja<span class=\"_ _2\"></span>hr h\u00f6c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>ns ei<span class=\"_ _2\"></span>n F\u00fcnf<span class=\"_ _3\"></span>tel de<span class=\"_ _2\"></span>s zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages<span class=\"_ _2\"></span>, beg<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>end mi<span class=\"_ _2\"></span>t dem e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r Zumes<span class=\"_ _2\"></span>sung. \u00dc<span class=\"_ _2\"></span>berd<span class=\"_ _2\"></span>ies er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t die Au<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lung var<span class=\"_ _2\"></span>iabl<span class=\"_ _2\"></span>er Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>andt<span class=\"_ _2\"></span>eile e<span class=\"_ _2\"></span>insc<span class=\"_ _2\"></span>hlie\u00dfli<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>s zur\u00fc<span class=\"_ _2\"></span>ckge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Ante<span class=\"_ _2\"></span>ils nur d<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, wenn die<span class=\"_ _2\"></span>s anges<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Fin<span class=\"_ _2\"></span>anzlag<span class=\"_ _2\"></span>e der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V tr<span class=\"_ _2\"></span>agba<span class=\"_ _2\"></span>r und na<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>r Leis<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>es be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Vorst<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>mitg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>ds ger<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die ba<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n sehe<span class=\"_ _2\"></span>n des Weitere<span class=\"_ _2\"></span>n vor<span class=\"_ _9\"></span>, dass 5<span class=\"_ _2\"></span>0 % der v<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>able<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>omit sowoh<span class=\"_ _2\"></span>l bet<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end de<span class=\"_ _2\"></span>n sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t zu g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>den A<span class=\"_ _2\"></span>nteil a<span class=\"_ _2\"></span>ls auc<span class=\"_ _2\"></span>h den zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ant<span class=\"_ _2\"></span>eil, i<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien zu g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>ren si<span class=\"_ _2\"></span>nd. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V werd<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>n Mit<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>ds zu dies<span class=\"_ _2\"></span>em Zweck jeweils B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Stam<span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Ant<span class=\"_ _2\"></span>eil an I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd, un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t eine<span class=\"_ _2\"></span>r dre<span class=\"_ _2\"></span>ij\u00e4hr<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>- bzw. Spe<span class=\"_ _2\"></span>rr<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>. Jen<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nteil a<span class=\"_ _2\"></span>n Ins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>her zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nd der j<span class=\"_ _2\"></span>eweilig<span class=\"_ _2\"></span>en Ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _3\"></span>, eine<span class=\"_ _2\"></span>r Beh<span class=\"_ _2\"></span>alte<span class=\"_ _3\"></span>- bzw. Sper<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist von e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Jah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Zum Zwecke de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>im D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>2024 insges<span class=\"_ _2\"></span>amt 1.0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcck <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>mmak<span class=\"_ _3\"></span>tien <span class=\"_ _2\"></span>via <span class=\"_ _2\"></span>B\u00f6<span class=\"_ _2\"></span>rse/au\u00dfer<span class=\"_ _2\"></span>b\u00f6<span class=\"_ _2\"></span>rsli<span class=\"_ _2\"></span>ch ge<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Der <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>hsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug dab<span class=\"_ _2\"></span>ei 55<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>50 <span class=\"_ _2\"></span>\u20ac be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amtk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>58 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f\u00fcr <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nbas<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Verg\u00fct<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Vorst<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e komm<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trug <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 insge<span class=\"_ _2\"></span>samt <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 94 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Es g<span class=\"_ _2\"></span>ibt kei<span class=\"_ _2\"></span>ne Op<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, es werd<span class=\"_ _2\"></span>en zei<span class=\"_ _2\"></span>tnah n<span class=\"_ _2\"></span>ach de<span class=\"_ _2\"></span>r jewei<span class=\"_ _2\"></span>ligen Si<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>usses d<span class=\"_ _2\"></span>ie Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien zu<span class=\"_ _2\"></span>m zu dem Ze<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>punk<span class=\"_ _3\"></span>t g\u00fcl<span class=\"_ _2\"></span>tigen M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t ge<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>34<span class=\"ws1\">b Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber verbundenen</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>nicht k<span class=\"_ _9\"></span>onsolidierten Unternehmen und B<span class=\"_ _2\"></span>eteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _190\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _32d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _32e\"> </span><span class=\"ff2\">4.188<span class=\"_ _99\"> </span>4.270<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _32f\"> </span><span class=\"wse\">4.188<span class=\"_ _192\"> </span>4.270<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _330\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _231\"> </span><span class=\"ff2\">46.161<span class=\"_ _145\"> </span>46.383<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _32a\"> </span><span class=\"wse\">46.161<span class=\"_ _12d\"> </span>46.383<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 9<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 92 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d 1.<span class=\"_ _10\"></span>198 T<span class=\"_ _4\"></span>sd. \u20ac A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.037 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n mit de<span class=\"_ _2\"></span>r Mut<span class=\"_ _3\"></span>terg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd ihre<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>34<span class=\"ws1\">c Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber asso<span class=\"_ _9\"></span>ziierten</span><span class=\"ws1\"> </span>Unternehmen und Beteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _1eb\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _5d\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _331\"> </span><span class=\"ff2\">20.352<span class=\"_ _145\"> </span>38.787<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _2d0\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _2e2\"> </span><span class=\"wse\">20.352<span class=\"_ _13d\"> </span>38.787<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _a5\"> </span><span class=\"ff2\">5.242<span class=\"_ _d3\"> </span>338<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _31d\"> </span><span class=\"ff2 ls2 ws1\">5<span class=\"_ _cc\"> </span>2<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _2e5\"> </span><span class=\"wse\">5.247<span class=\"_ _d4\"> </span>340<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahm<span class=\"_ _2\"></span>en d<span class=\"_ _2\"></span>er E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung si<span class=\"_ _2\"></span>nd 1.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>29 T<span class=\"_ _9\"></span>sd. \u20ac <span class=\"_ _2\"></span>Er<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _2\"></span>e (<span class=\"_ _3\"></span>V<span class=\"_ _4\"></span>o<span class=\"_ _2\"></span>rja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 771 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _a\"></span>) und 47 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>wen<span class=\"_ _2\"></span>dunge<span class=\"_ _2\"></span>n (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: <span class=\"ff2 ls2 ws1\"> </span>60 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>r<span class=\"_ _2\"></span>ans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>ti<span class=\"_ _2\"></span>one<span class=\"_ _2\"></span>n mit <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Mut<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>ihre<span class=\"_ _2\"></span>n assoziie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span>men <span class=\"_ _2\"></span>ange<span class=\"_ _2\"></span>fa<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Der <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Equi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>y-<span class=\"_ _2\"></span>M<span class=\"_ _2\"></span>eth<span class=\"_ _2\"></span>ode e<span class=\"_ _2\"></span>inb<span class=\"_ _2\"></span>ezoge<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>b\u00f6r<span class=\"_ _2\"></span>seno<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilan<span class=\"_ _2\"></span>z-<span class=\"ff2 ls2 ws1\"> </span>sti<span class=\"_ _2\"></span>cht<span class=\"_ _2\"></span>ag 9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0.<span class=\"_ _2\"></span>768 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>81<span class=\"_ _9\"></span>.<span class=\"_ _2\"></span>328 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>, davon <span class=\"_ _2\"></span>ent<span class=\"_ _3\"></span>fiel<span class=\"_ _2\"></span>en a<span class=\"_ _2\"></span>uf d<span class=\"_ _2\"></span>ie B<span class=\"_ _2\"></span>K<span class=\"_ _2\"></span>S B<span class=\"_ _2\"></span>ank <span class=\"_ _2\"></span>AG 1<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>0.1<span class=\"_ _10\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>33.4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) und a<span class=\"_ _2\"></span>uf di<span class=\"_ _2\"></span>e Ob<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>bank <span class=\"_ _2\"></span>AG 81<span class=\"_ _9\"></span>0.6<span class=\"_ _2\"></span>42 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 7<span class=\"_ _9\"></span>4<span class=\"_ _9\"></span>7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>928 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Die <span class=\"_ _2\"></span>Summ<span class=\"_ _2\"></span>e te<span class=\"_ _2\"></span>mpor<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fer<span class=\"_ _2\"></span>enzen <span class=\"_ _2\"></span>im Zus<span class=\"_ _2\"></span>amme<span class=\"_ _2\"></span>nha<span class=\"_ _2\"></span>ng mit Ante<span class=\"_ _2\"></span>ilen <span class=\"_ _2\"></span>an a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>ten U<span class=\"_ _2\"></span>nte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>f\u00fcr <span class=\"_ _2\"></span>die ke<span class=\"_ _2\"></span>ine <span class=\"_ _2\"></span>late<span class=\"_ _2\"></span>nten <span class=\"_ _2\"></span>Steue<span class=\"_ _2\"></span>rsc<span class=\"_ _2\"></span>huld<span class=\"_ _2\"></span>en bi<span class=\"_ _2\"></span>lanzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>wurd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>zum B<span class=\"_ _2\"></span>ilanz<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag 780<span class=\"_ _2\"></span>.6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>8 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 71<span class=\"_ _10\"></span>3<span class=\"_ _2\"></span>.9<span class=\"_ _2\"></span>07 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die A<span class=\"_ _2\"></span>nza<span class=\"_ _2\"></span>hl de<span class=\"_ _2\"></span>r \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>ssoziier<span class=\"_ _3\"></span>te U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>geh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>eige<span class=\"_ _2\"></span>nen <span class=\"_ _2\"></span>Ante<span class=\"_ _2\"></span>ile b<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>r\u00e4g<span class=\"_ _3\"></span>t wie <span class=\"_ _2\"></span>im Vorjah<span class=\"_ _2\"></span>r 9.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _3\"></span>262 St\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>34d \u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2024<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2024<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2024<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per <span class=\"_ _47\"></span> 31.12.2024<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">295.531<span class=\"_ _183\"> </span></span><span class=\"ls2\">0<span class=\"_ _99\"> </span></span><span class=\"wse\">1.786<span class=\"_ _145\"> </span>29.851<span class=\"_ _12b\"> </span>327.167<span class=\"_ _1ce\"> </span><span class=\"ff4\">15,90<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">618.506<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _f4\"> </span></span></span>\u22127.461<span class=\"_ _145\"> </span><span class=\"ff2\">47.990<span class=\"_ _12b\"> </span>659.035<span class=\"_ _1ce\"> </span></span>69,80<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _b1\"> </span><span class=\"ff2\">5.372<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _cc\"> </span>3<span class=\"_ _d3\"> </span></span>189<span class=\"_ _1e3\"> </span>5.564<span class=\"_ _1cc\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>\u00dcberleitung des Equity-<span class=\"ls2\"> </span>Buchwertes der in den Kon<span class=\"_ _4\"></span>zernabschluss aufgenommenen assoziierten Unternehmen auf Basis des Best<span class=\"_ _2\"></span>andes zum 31.12.2023<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener Buchwert<span class=\"ls2 ws1\"> </span> per 01.01.2023<span class=\"_ _39f\"> </span>Kapital-<span class=\"ls2 ws1\"> </span>erh\u00f6hung<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs-<span class=\"_ _39f\"> </span>neutrale V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folgs- wirksame V<span class=\"_ _4\"></span>er\u00e4nderung 2023<span class=\"_ _39f\"> </span>For<span class=\"_ _2\"></span>tge-<span class=\"ls2 ws1\"> </span>schriebener <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Buchwert <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>per 31.12.2023<span class=\"_ _39f\"> </span>B\u00f6rsen-<span class=\"ls2 ws1\"> </span>kurs Stamm-<span class=\"ls2 ws1\"> </span>aktien<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _162\"> </span><span class=\"wse\">272.091<span class=\"_ _9a\"> </span>952<span class=\"_ _99\"> </span>7.161<span class=\"_ _145\"> </span>15.327<span class=\"_ _12b\"> </span>295.531<span class=\"_ _1ce\"> </span><span class=\"ff4\">16,30<span class=\"_ _39f\"> </span></span></span>Oberbank AG<span class=\"_ _332\"> </span><span class=\"ff2\">542.478<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _99\"> </span></span>2.724<span class=\"_ _145\"> </span>73.304<span class=\"_ _90\"> </span>618.506<span class=\"_ _98\"> </span></span>64,40<span class=\"_ _39f\"> </span>Moser Holding Aktiengesellschaf<span class=\"_ _2\"></span>t<span class=\"_ _333\"> </span><span class=\"ff2\">13.036<span class=\"_ _119\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _6a\"> </span></span></span>\u221210<span class=\"_ _f4\"> </span>\u22127.654<span class=\"_ _99\"> </span><span class=\"ff2\">5.372<span class=\"_ _99\"> </span></span>n<span class=\"_ _2\"></span>. v.<span class=\"_ _39f\"> </span>n. v. <span class=\"_ _9\"></span>= nicht v<span class=\"_ _9\"></span>orhanden<span class=\"_ _39f\"> </span>34e<span class=\"_ _39f\"> </span>Die at-equity-bewerteten asso<span class=\"_ _9\"></span>ziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _334\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _335\"> </span><span class=\"wse\">10.842.870<span class=\"_ _f2\"> </span>10.572.131<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">27.973.636<span class=\"_ _f2\"> </span>27.977.388<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">90.274<span class=\"_ _145\"> </span>93.384<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _1ed\"> </span>38.906.780<span class=\"_ _f\"> </span>38.642.903<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _294\"> </span><span class=\"wse\">8.946.527<span class=\"_ _ee\"> </span>8.852.862<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _26f\"> </span><span class=\"ff2\">23.908.448<span class=\"_ _f2\"> </span>24.158.173<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">61.033<span class=\"_ _145\"> </span>68.365<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _337\"> </span><span class=\"lse wse\">32.916.008<span class=\"_ _f\"> </span>33.079.400<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _26a\"> </span><span class=\"wse\">369.658<span class=\"_ _90\"> </span>322.411<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _289\"> </span><span class=\"ff2\">807.402<span class=\"_ _90\"> </span>951.592<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _336\"> </span><span class=\"ff2\">93.965<span class=\"_ _12b\"> </span>103.629<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _338\"> </span>1.271.025<span class=\"_ _10a\"> </span>1.377.632<span class=\"_ _39f\"> </span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">183.110<span class=\"_ _12b\"> </span>149.419<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _339\"> </span><span class=\"ff2\">14.981<span class=\"_ _145\"> </span>12.859<span class=\"_ _39f\"> </span></span>BK<span class=\"_ _2\"></span>S Bank AG Gesamtjahresergebnis<span class=\"_ _28d\"> </span><span class=\"ff2\">198.091<span class=\"_ _e1\"> </span>162.278<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1f0\"> </span><span class=\"ff2\">362.598<span class=\"_ _12b\"> </span>498.325<span class=\"_ _39f\"> </span></span>Sonstiges Gesamtergebnis<span class=\"_ _33a\"> </span>\u221226.640<span class=\"_ _145\"> </span><span class=\"ff2\">24.292<span class=\"_ _39f\"> </span></span>Oberbank AG Gesamtjahresergebnis<span class=\"_ _1db\"> </span><span class=\"ff2\">335.958<span class=\"_ _90\"> </span>522.617<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _1b0\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Sonstiges Gesamtergebnis<span class=\"_ _323\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Moser Holding AG Gesamtjahresergebnis<span class=\"_ _2ce\"> </span><span class=\"ff2\">4.652<span class=\"_ _e1\"> </span></span>\u221228.346<span class=\"_ _39f\"> </span>Gesamtjahresergebnis<span class=\"_ _33b\"> </span>538.701<span class=\"_ _e2\"> </span>656.549<span class=\"_ _39f\"> </span>BK<span class=\"_ _2\"></span>S Bank AG<span class=\"_ _33c\"> </span><span class=\"wse\">2.864<span class=\"_ _99\"> </span>2.028<span class=\"_ _39f\"> </span></span>Oberbank AG<span class=\"_ _33d\"> </span><span class=\"ff2\">11.614<span class=\"_ _99\"> </span>8.420<span class=\"_ _39f\"> </span></span>Moser Holding AG<span class=\"_ _24b\"> </span><span class=\"ff2\">875<span class=\"_ _6a\"> </span>512<span class=\"_ _39f\"> </span></span>Erhaltene Dividenden<span class=\"_ _33e\"> </span><span class=\"wse\">15.353<span class=\"_ _13d\"> </span>10.960<span class=\"_ _39f\"> </span></span>34f <span class=\"ls4f\">Die zu fortgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bzw<span class=\"_ _4\"></span>. zum Fair Value be<span class=\"_ _9\"></span>werteten <span class=\"ls2\"> </span></span>assoziierten Unternehmen wiesen zum Bilanzstic<span class=\"_ _9\"></span>htag folgende W<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>te auf<span class=\"ls2\"> <span class=\"_ _2\"></span> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _33f\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2e4\"> </span><span class=\"ff2 lse wse\">96.701<span class=\"_ _f4\"> </span>92.522<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _ca\"> </span><span class=\"ff2 lse wse\">50.933<span class=\"_ _145\"> </span>53.822<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _340\"> </span><span class=\"ff2\">102.261<span class=\"_ _145\"> </span>89.461<span class=\"_ _39f\"> </span></span>Konzernjahres\u00fcberschuss<span class=\"_ _32e\"> </span><span class=\"ff2\">1.975<span class=\"_ _99\"> </span>2.082<span class=\"_ _39f\"> </span></span>34g Kreditinstitute<span class=\"wseb\"> m</span>it Anteilsbesitz <span class=\"ff6fd\">&gt; 20 % </span>an der BTV AG <span class=\"ff6fd\">wiesen</span><span class=\"ff6fd\"> </span>zum Bilanzstichtag folgende Werte auf <span class=\"fs9 ls16 ws1\">in Tsd<span class=\"_ _39f\"> </span></span>. \u20ac<span class=\"_ _341\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2c8\"> </span><span class=\"ff2 lse wse\">784.974.000<span class=\"_ _f\"> </span>843.506.000<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _2b6\"> </span><span class=\"ff2 lse wse\">720.895.000<span class=\"_ _100\"> </span>781.625.000<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _23b\"> </span><span class=\"ff2\">23.826.000<span class=\"_ _f2\"> </span>11.897.000<span class=\"_ _39f\"> </span></span>Jahres\u00fcberschuss<span class=\"_ _1df\"> </span><span class=\"ff2\">6.473.000<span class=\"_ _ee\"> </span>5.934.000<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd 5 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 105 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) <span class=\"ff2\"> </span>f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich zum St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f 3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vor<span class=\"_ _4\"></span>-<span class=\"ff2\"> </span>jahr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f 7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>50 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 3.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Es w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n f\u00fcr di<span class=\"_ _2\"></span>e Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>te in de<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n 3<span class=\"_ _2\"></span>4e un<span class=\"_ _2\"></span>d 34<span class=\"_ _2\"></span>g die l<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se als B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>lage herangezogen",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-30": {
   "value": "34a <span class=\"_ _2\"></span>Bez\u00fcge der <span class=\"_ _2\"></span>Mitglieder des V<span class=\"_ _9\"></span>orstandes <span class=\"_ _2\"></span>und des Auf<span class=\"_ _2\"></span>sichtsrates Die B<span class=\"_ _2\"></span>ez\u00fcge d<span class=\"_ _2\"></span>er ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>dsmit<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r bet<span class=\"_ _2\"></span>rug<span class=\"_ _2\"></span>en im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sjah<span class=\"_ _2\"></span>r 2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>21<span class=\"_ _4\"></span>7 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.<span class=\"_ _2\"></span>873 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>). Die Pe<span class=\"_ _2\"></span>nsions<span class=\"_ _2\"></span>zahl<span class=\"_ _2\"></span>ungen <span class=\"ff2\"> </span>an ehe<span class=\"_ _2\"></span>malig<span class=\"_ _2\"></span>e V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>t\u00e4n<span class=\"_ _2\"></span>de er<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>abe<span class=\"_ _2\"></span>n inkl<span class=\"_ _2\"></span>usive A<span class=\"_ _2\"></span>npassu<span class=\"_ _2\"></span>ngen de<span class=\"_ _2\"></span>r Sozialk<span class=\"_ _2\"></span>ap<span class=\"_ _2\"></span>ita<span class=\"_ _2\"></span>lr\u00fc<span class=\"_ _2\"></span>ck<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llunge<span class=\"_ _2\"></span>n ein<span class=\"_ _2\"></span>en Auf<span class=\"_ _3\"></span>wa<span class=\"_ _2\"></span>nd von 3.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd. \u20ac (<span class=\"_ _3\"></span>Vorjahr<span class=\"_ _2\"></span>: Auf<span class=\"_ _3\"></span>wand 3<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>582 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>. Der Au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>and f<span class=\"_ _2\"></span>\u00fcr Auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>sve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>en be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug im Be<span class=\"_ _2\"></span>ric<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>sjahr 331 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 334 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die G<span class=\"_ _2\"></span>rund<span class=\"_ _2\"></span>s\u00e4t<span class=\"_ _2\"></span>ze f<span class=\"_ _2\"></span>\u00fcr die Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>es V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>nds sin<span class=\"_ _2\"></span>d in der Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik der B<span class=\"_ _2\"></span>ank f<span class=\"_ _2\"></span>\u00fcr T<span class=\"_ _2\"></span>iro<span class=\"_ _2\"></span>l und Vorarlb<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>g Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ieng<span class=\"_ _2\"></span>esel<span class=\"_ _2\"></span>lscha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t gem\u00e4<span class=\"_ _2\"></span>\u00df \u00a7 78a Ak<span class=\"_ _3\"></span>tG s<span class=\"_ _2\"></span>owie \u00a7 9<span class=\"_ _2\"></span>8a A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gele<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie Gr<span class=\"_ _2\"></span>unds<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>ze f<span class=\"_ _2\"></span>\u00fcr die Verg\u00fc<span class=\"_ _2\"></span>tung de<span class=\"_ _2\"></span>r Mit<span class=\"_ _2\"></span>gli<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>ands d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n auf Vorschl<span class=\"_ _2\"></span>ag des ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 39<span class=\"_ _2\"></span>c BWG im Aufs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V ei<span class=\"_ _2\"></span>nger<span class=\"_ _2\"></span>ichte<span class=\"_ _2\"></span>ten Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>usses ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 78<span class=\"_ _2\"></span>a Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G bz<span class=\"_ _2\"></span>w. L<span class=\"_ _4\"></span>-<span class=\"_ _3\"></span>Regel 26<span class=\"_ _2\"></span>b de<span class=\"_ _2\"></span>s \u00d6st<span class=\"_ _2\"></span>err<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Cor<span class=\"_ _2\"></span>por<span class=\"_ _2\"></span>ate G<span class=\"_ _2\"></span>overn<span class=\"_ _2\"></span>ance K<span class=\"_ _2\"></span>odex i<span class=\"_ _2\"></span>n der Fa<span class=\"_ _2\"></span>ssung J<span class=\"_ _2\"></span>\u00e4nne<span class=\"_ _2\"></span>r 2020 (\u00d6CGK<span class=\"_ _2\"></span>) dur<span class=\"_ _2\"></span>ch B<span class=\"_ _2\"></span>esch<span class=\"_ _2\"></span>luss de<span class=\"_ _2\"></span>s Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>rat<span class=\"_ _2\"></span>s sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r Haup<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sam<span class=\"_ _2\"></span>mlung de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V fe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>gel<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>spol<span class=\"_ _2\"></span>itik is<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>r Hau<span class=\"_ _2\"></span>pt<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>mmlung ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7 78<span class=\"_ _2\"></span>b Abs<span class=\"_ _2\"></span>. 1 Ak<span class=\"_ _3\"></span>tG zum<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st in je<span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>m vier<span class=\"_ _3\"></span>ten G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>ts<span class=\"_ _2\"></span>jahr zur A<span class=\"_ _2\"></span>bst<span class=\"_ _2\"></span>im<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>mung vor<span class=\"_ _2\"></span>zule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>. Aus<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fchrl<span class=\"_ _2\"></span>iche I<span class=\"_ _2\"></span>nfo<span class=\"_ _2\"></span>rma<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en zum Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>ss<span class=\"_ _2\"></span>yste<span class=\"_ _2\"></span>m des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ds und de<span class=\"_ _2\"></span>s Auf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ts d<span class=\"_ _2\"></span>er BT<span class=\"_ _3\"></span>V sow<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r im abge<span class=\"_ _2\"></span>lauf<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Ge<span class=\"_ _2\"></span>sch\u00e4<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sja<span class=\"_ _2\"></span>hr gew<span class=\"_ _2\"></span>\u00e4hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ode<span class=\"_ _2\"></span>r ges<span class=\"_ _2\"></span>chuld<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctu<span class=\"_ _2\"></span>ng sind in d<span class=\"_ _2\"></span>er Verg\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>spol<span class=\"_ _2\"></span>itik ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7<span class=\"_ _2\"></span>\u00a7 78a und 9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>a Ak<span class=\"_ _3\"></span>tG sowie im Verg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sb<span class=\"_ _2\"></span>eri<span class=\"_ _2\"></span>cht ge<span class=\"_ _2\"></span>m\u00e4\u00df \u00a7<span class=\"_ _2\"></span>\u00a7 78c und 9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>a Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>G<span class=\"_ _2\"></span>, jewe<span class=\"_ _2\"></span>ils ver<span class=\"_ _2\"></span>\u00f6f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>t auf de<span class=\"_ _2\"></span>r Hom<span class=\"_ _2\"></span>epag<span class=\"_ _2\"></span>e der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V (ww<span class=\"_ _3\"></span>w.bt<span class=\"_ _2\"></span>v.at), darg<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>stellt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die Zi<span class=\"_ _2\"></span>else<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>r V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctu<span class=\"_ _2\"></span>ngsp<span class=\"_ _2\"></span>olit<span class=\"_ _2\"></span>ik lieg<span class=\"_ _3\"></span>t in ange<span class=\"_ _2\"></span>mess<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>nsan<span class=\"_ _2\"></span>reize<span class=\"_ _2\"></span>n zur nac<span class=\"_ _2\"></span>hhal<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>hme<span class=\"_ _2\"></span>nsen<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wic<span class=\"_ _2\"></span>klu<span class=\"_ _2\"></span>ng und F\u00f6rd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung der G<span class=\"_ _2\"></span>esc<span class=\"_ _2\"></span>h\u00e4f<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>sstr<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>egie s<span class=\"_ _2\"></span>owie de<span class=\"_ _2\"></span>r lang<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>is<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Ent<span class=\"_ _2\"></span>wi<span class=\"_ _2\"></span>ckl<span class=\"_ _2\"></span>ung des B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Konze<span class=\"_ _2\"></span>rns<span class=\"_ _2\"></span>. Sie s<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>t zude<span class=\"_ _2\"></span>m sich<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, dass die G<span class=\"_ _2\"></span>esa<span class=\"_ _2\"></span>mt-<span class=\"_ _39f\"> </span>verg<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>ung der M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>ds in ei<span class=\"_ _2\"></span>nem ang<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssen<span class=\"_ _2\"></span>en Verh\u00e4lt<span class=\"_ _2\"></span>nis zur L<span class=\"_ _2\"></span>age d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>V u<span class=\"_ _2\"></span>nd zur in ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>leic<span class=\"_ _2\"></span>hbare<span class=\"_ _2\"></span>n Unt<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>men \u00fcb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en Verg\u00fct<span class=\"_ _2\"></span>ung st<span class=\"_ _2\"></span>eht<span class=\"_ _39f\"> </span>Die Mi<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>liede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>ds er<span class=\"_ _2\"></span>halte<span class=\"_ _2\"></span>n fixe Verg\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>sbes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andte<span class=\"_ _2\"></span>ile<span class=\"_ _2\"></span>, die er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lgsu<span class=\"_ _2\"></span>nabh<span class=\"_ _2\"></span>\u00e4ngig si<span class=\"_ _2\"></span>nd, s<span class=\"_ _2\"></span>owie va<span class=\"_ _2\"></span>ria<span class=\"_ _2\"></span>ble Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>teile<span class=\"_ _2\"></span>, bas<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>f der Er<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcllung von fin<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>llen L<span class=\"_ _2\"></span>eis<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>skr<span class=\"_ _2\"></span>ite<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>n, R<span class=\"_ _2\"></span>isiko<span class=\"_ _2\"></span>kr<span class=\"_ _2\"></span>iter<span class=\"_ _2\"></span>ien un<span class=\"_ _2\"></span>d nich<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fin<span class=\"_ _2\"></span>anziel<span class=\"_ _2\"></span>len al<span class=\"_ _2\"></span>lgeme<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>n und ind<span class=\"_ _2\"></span>ivi<span class=\"_ _2\"></span>du<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>elle<span class=\"_ _2\"></span>n Leis<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngsk<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>. Die K<span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>ent<span class=\"_ _2\"></span>w<span class=\"_ _2\"></span>ick<span class=\"_ _2\"></span>lung de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n hat kei<span class=\"_ _2\"></span>nen Ein<span class=\"_ _2\"></span>fluss a<span class=\"_ _2\"></span>uf die Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>er Mit<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>iede<span class=\"_ _2\"></span>r des Vorst<span class=\"_ _2\"></span>and<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _9\"></span>or dem H<span class=\"_ _2\"></span>inter<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und<span class=\"_ _2\"></span>, das<span class=\"_ _2\"></span>s die BT<span class=\"_ _3\"></span>V ei<span class=\"_ _2\"></span>n im Sinn<span class=\"_ _2\"></span>e der b<span class=\"_ _2\"></span>ank<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>ht<span class=\"_ _2\"></span>srec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n \u201eho<span class=\"_ _2\"></span>chkomp<span class=\"_ _2\"></span>lexes I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>itu<span class=\"_ _2\"></span>t\u201c da<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>tellt<span class=\"_ _3\"></span>, gela<span class=\"_ _2\"></span>ngen au<span class=\"_ _2\"></span>f die B<span class=\"_ _2\"></span>eme<span class=\"_ _2\"></span>ssung und d<span class=\"_ _2\"></span>ie Ausz<span class=\"_ _2\"></span>ahlung d<span class=\"_ _2\"></span>er va<span class=\"_ _2\"></span>ria<span class=\"_ _2\"></span>blen Verg<span class=\"_ _2\"></span>\u00fctung d<span class=\"_ _2\"></span>er Mi<span class=\"_ _2\"></span>tg<span class=\"_ _2\"></span>lied<span class=\"_ _2\"></span>er des Vorst<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>des die B<span class=\"_ _2\"></span>es<span class=\"_ _2\"></span>timm<span class=\"_ _2\"></span>ungen d<span class=\"_ _2\"></span>es <span class=\"ff2\"> </span>\u00a7 39b BWG einsc<span class=\"_ _2\"></span>hlie<span class=\"_ _2\"></span>\u00dflich de<span class=\"_ _2\"></span>r Anl<span class=\"_ _2\"></span>age zu \u00a7 39<span class=\"_ _2\"></span>b BWG im vollen U<span class=\"_ _2\"></span>mf<span class=\"_ _2\"></span>ang zur A<span class=\"_ _2\"></span>nwendung<span class=\"_ _2\"></span>. Gem<span class=\"_ _2\"></span>\u00e4\u00df dies<span class=\"_ _2\"></span>en ba<span class=\"_ _2\"></span>nka<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>sich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htlic<span class=\"_ _2\"></span>hen Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n ist e<span class=\"_ _2\"></span>in Ante<span class=\"_ _2\"></span>il von zum<span class=\"_ _2\"></span>indes<span class=\"_ _2\"></span>t 4<span class=\"_ _2\"></span>0 % de<span class=\"_ _2\"></span>r var<span class=\"_ _2\"></span>iab<span class=\"_ _2\"></span>len Verg<span class=\"_ _2\"></span>\u00fctung a<span class=\"_ _2\"></span>uf ein<span class=\"_ _2\"></span>en Zei<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>aum von f<span class=\"_ _2\"></span>\u00fcnf J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n zur<span class=\"_ _2\"></span>\u00fcck<span class=\"_ _2\"></span>zu<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llen<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>ie zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>llte Verg<span class=\"_ _2\"></span>\u00fctung w<span class=\"_ _2\"></span>ird in di<span class=\"_ _2\"></span>esem M<span class=\"_ _2\"></span>inde<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>itr<span class=\"_ _2\"></span>aum nic<span class=\"_ _2\"></span>ht sch<span class=\"_ _2\"></span>nell<span class=\"_ _2\"></span>er als a<span class=\"_ _2\"></span>nteil<span class=\"_ _2\"></span>ig er<span class=\"_ _2\"></span>wo<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>n, d<span class=\"_ _2\"></span>. h<span class=\"_ _2\"></span>. jede<span class=\"_ _2\"></span>s Ja<span class=\"_ _2\"></span>hr h\u00f6c<span class=\"_ _2\"></span>hste<span class=\"_ _2\"></span>ns ei<span class=\"_ _2\"></span>n F\u00fcnf<span class=\"_ _3\"></span>tel de<span class=\"_ _2\"></span>s zur\u00fc<span class=\"_ _2\"></span>ckg<span class=\"_ _2\"></span>este<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ages<span class=\"_ _2\"></span>, beg<span class=\"_ _2\"></span>inn<span class=\"_ _2\"></span>end mi<span class=\"_ _2\"></span>t dem e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ten J<span class=\"_ _2\"></span>ahr<span class=\"_ _2\"></span>est<span class=\"_ _2\"></span>ag de<span class=\"_ _2\"></span>r Zumes<span class=\"_ _2\"></span>sung. \u00dc<span class=\"_ _2\"></span>berd<span class=\"_ _2\"></span>ies er<span class=\"_ _3\"></span>fo<span class=\"_ _2\"></span>lg<span class=\"_ _2\"></span>t die Au<span class=\"_ _2\"></span>szah<span class=\"_ _2\"></span>lung var<span class=\"_ _2\"></span>iabl<span class=\"_ _2\"></span>er Verg\u00fc<span class=\"_ _2\"></span>tung<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>andt<span class=\"_ _2\"></span>eile e<span class=\"_ _2\"></span>insc<span class=\"_ _2\"></span>hlie\u00dfli<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>s zur\u00fc<span class=\"_ _2\"></span>ckge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llte<span class=\"_ _2\"></span>n Ante<span class=\"_ _2\"></span>ils nur d<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, wenn die<span class=\"_ _2\"></span>s anges<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Fin<span class=\"_ _2\"></span>anzlag<span class=\"_ _2\"></span>e der B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V tr<span class=\"_ _2\"></span>agba<span class=\"_ _2\"></span>r und na<span class=\"_ _2\"></span>ch de<span class=\"_ _2\"></span>r Leis<span class=\"_ _2\"></span>tung d<span class=\"_ _2\"></span>es be<span class=\"_ _2\"></span>tre<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Vorst<span class=\"_ _2\"></span>ands<span class=\"_ _2\"></span>mitg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>ds ger<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tig<span class=\"_ _3\"></span>t is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Die ba<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>sic<span class=\"_ _2\"></span>hts<span class=\"_ _2\"></span>rec<span class=\"_ _2\"></span>htli<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>n Bes<span class=\"_ _2\"></span>tim<span class=\"_ _2\"></span>munge<span class=\"_ _2\"></span>n sehe<span class=\"_ _2\"></span>n des Weitere<span class=\"_ _2\"></span>n vor<span class=\"_ _9\"></span>, dass 5<span class=\"_ _2\"></span>0 % der v<span class=\"_ _2\"></span>ari<span class=\"_ _2\"></span>able<span class=\"_ _2\"></span>n V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fct<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>, s<span class=\"_ _2\"></span>omit sowoh<span class=\"_ _2\"></span>l bet<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>end de<span class=\"_ _2\"></span>n sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t zu g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>ren<span class=\"_ _2\"></span>den A<span class=\"_ _2\"></span>nteil a<span class=\"_ _2\"></span>ls auc<span class=\"_ _2\"></span>h den zur<span class=\"_ _2\"></span>\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ant<span class=\"_ _2\"></span>eil, i<span class=\"_ _2\"></span>n Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien zu g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>ren si<span class=\"_ _2\"></span>nd. I<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r BT<span class=\"_ _3\"></span>V werd<span class=\"_ _2\"></span>en de<span class=\"_ _2\"></span>n Mit<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>tan<span class=\"_ _2\"></span>ds zu dies<span class=\"_ _2\"></span>em Zweck jeweils B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V Stam<span class=\"_ _2\"></span>mak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. De<span class=\"_ _2\"></span>r Ant<span class=\"_ _2\"></span>eil an I<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>er sof<span class=\"_ _2\"></span>or<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ew\u00e4h<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t wi<span class=\"_ _2\"></span>rd, un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>lieg<span class=\"_ _3\"></span>t eine<span class=\"_ _2\"></span>r dre<span class=\"_ _2\"></span>ij\u00e4hr<span class=\"_ _2\"></span>igen B<span class=\"_ _2\"></span>eh<span class=\"_ _2\"></span>alte<span class=\"_ _2\"></span>- bzw. Spe<span class=\"_ _2\"></span>rr<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist<span class=\"_ _3\"></span>. Jen<span class=\"_ _2\"></span>er A<span class=\"_ _2\"></span>nteil a<span class=\"_ _2\"></span>n Ins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>ten<span class=\"_ _2\"></span>, welc<span class=\"_ _2\"></span>her zu<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>zus<span class=\"_ _2\"></span>tell<span class=\"_ _2\"></span>en is<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, unte<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>g<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, f<span class=\"_ _2\"></span>olge<span class=\"_ _2\"></span>nd der j<span class=\"_ _2\"></span>eweilig<span class=\"_ _2\"></span>en Ge<span class=\"_ _2\"></span>w\u00e4hr<span class=\"_ _2\"></span>ung<span class=\"_ _3\"></span>, eine<span class=\"_ _2\"></span>r Beh<span class=\"_ _2\"></span>alte<span class=\"_ _3\"></span>- bzw. Sper<span class=\"_ _2\"></span>r<span class=\"_ _3\"></span>fr<span class=\"_ _2\"></span>ist von e<span class=\"_ _2\"></span>ine<span class=\"_ _2\"></span>m Jah<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>.<span class=\"_ _39f\"> </span>Zum Zwecke de<span class=\"_ _2\"></span>r A<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>e wu<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>im D<span class=\"_ _2\"></span>ezem<span class=\"_ _2\"></span>ber <span class=\"_ _2\"></span>2024 insges<span class=\"_ _2\"></span>amt 1.0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>St\u00fcck <span class=\"_ _2\"></span>Sta<span class=\"_ _2\"></span>mmak<span class=\"_ _3\"></span>tien <span class=\"_ _2\"></span>via <span class=\"_ _2\"></span>B\u00f6<span class=\"_ _2\"></span>rse/au\u00dfer<span class=\"_ _2\"></span>b\u00f6<span class=\"_ _2\"></span>rsli<span class=\"_ _2\"></span>ch ge<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>auf<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>. Der <span class=\"_ _2\"></span>Durc<span class=\"_ _2\"></span>hsc<span class=\"_ _2\"></span>hnit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>sk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Ak<span class=\"_ _3\"></span>tie<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ug dab<span class=\"_ _2\"></span>ei 55<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>50 <span class=\"_ _2\"></span>\u20ac be<span class=\"_ _2\"></span>i ein<span class=\"_ _2\"></span>em <span class=\"_ _2\"></span>Ges<span class=\"_ _2\"></span>amtk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>58 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>. D<span class=\"_ _2\"></span>ie e<span class=\"_ _2\"></span>ntha<span class=\"_ _2\"></span>lten<span class=\"_ _2\"></span>e R\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llung f\u00fcr <span class=\"_ _2\"></span>die a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tie<span class=\"_ _2\"></span>nbas<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te Verg\u00fct<span class=\"_ _2\"></span>ung d<span class=\"_ _2\"></span>er Vorst<span class=\"_ _2\"></span>\u00e4nd<span class=\"_ _2\"></span>e f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e komm<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n J<span class=\"_ _2\"></span>ahre <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>trug <span class=\"_ _2\"></span>zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.<span class=\"_ _9\"></span>1<span class=\"_ _10\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 insge<span class=\"_ _2\"></span>samt <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>26 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 94 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>)<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Es g<span class=\"_ _2\"></span>ibt kei<span class=\"_ _2\"></span>ne Op<span class=\"_ _2\"></span>tion<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>, es werd<span class=\"_ _2\"></span>en zei<span class=\"_ _2\"></span>tnah n<span class=\"_ _2\"></span>ach de<span class=\"_ _2\"></span>r jewei<span class=\"_ _2\"></span>ligen Si<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>zung de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>erg<span class=\"_ _2\"></span>\u00fctung<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>ussch<span class=\"_ _2\"></span>usses d<span class=\"_ _2\"></span>ie Ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ien zu<span class=\"_ _2\"></span>m zu dem Ze<span class=\"_ _2\"></span>it-<span class=\"_ _39f\"> </span>punk<span class=\"_ _3\"></span>t g\u00fcl<span class=\"_ _2\"></span>tigen M<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t ge<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>.<span class=\"_ _39f\"> </span>4<span class=\"_ _4\"></span>1 O<span class=\"_ _2\"></span>rgane <span class=\"_ _2\"></span>der Bank <span class=\"_ _2\"></span>f\u00fcr T<span class=\"_ _2\"></span>irol und V<span class=\"_ _9\"></span>orarlberg <span class=\"_ _2\"></span>Ak<span class=\"_ _2\"></span>tiengesellschaft Folge<span class=\"_ _2\"></span>nde M<span class=\"_ _2\"></span>itg<span class=\"_ _2\"></span>lie<span class=\"_ _2\"></span>der de<span class=\"_ _2\"></span>s V<span class=\"_ _9\"></span>ors<span class=\"_ _2\"></span>ta<span class=\"_ _2\"></span>ndes un<span class=\"_ _2\"></span>d des Au<span class=\"_ _2\"></span>fs<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>s ware<span class=\"_ _2\"></span>n im J<span class=\"_ _2\"></span>ahr 2024 f\u00fcr die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V t\u00e4<span class=\"_ _2\"></span>tig<span class=\"_ _2\"></span>:<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>ors<span class=\"_ _2\"></span>tand<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">Gerhard Bur<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>scher<span class=\"_ _9\"></span>, <span class=\"ff2 ls2 ws1\"> </span></span>V<span class=\"_ _4\"></span>orsit<span class=\"_ _2\"></span>zender des Vorstandes<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Dr<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Ha<span class=\"_ _2\"></span>nsj\u00f6r<span class=\"_ _2\"></span>g M\u00fcll<span class=\"_ _2\"></span>er,<span class=\"_ _9\"></span> <span class=\"ff2 ls2 ws1\"> </span></span>Mit<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>s Vorst<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s <span class=\"ff2 ls2 ws1\"> </span>(<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>b 01.09.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mario <span class=\"_ _2\"></span>Pabs<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span></span><span class=\"ls2 ws1\"> </span>Mit<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>s Vorst<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Dr<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>ku<span class=\"_ _2\"></span>s Per<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>, MBA<span class=\"_ _3\"></span>, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span></span>Mit<span class=\"_ _2\"></span>glie<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>s Vorst<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span>Aufsicht<span class=\"_ _2\"></span>sr<span class=\"_ _2\"></span>at<span class=\"_ _39f\"> </span>Ehrenpr<span class=\"_ _2\"></span>\u00e4sident<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">KR Eh<span class=\"_ _2\"></span>rens<span class=\"_ _2\"></span>enat<span class=\"_ _2\"></span>or D<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>m. <span class=\"_ _2\"></span></span><span class=\"ls2 ws1\"> </span>Dr<span class=\"_ _9\"></span>. He<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>ann B<span class=\"_ _2\"></span>ell<span class=\"_ _2\"></span>, Li<span class=\"_ _2\"></span>nz V<span class=\"_ _4\"></span>orsit<span class=\"_ _2\"></span>zender<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Hanno <span class=\"_ _2\"></span>Ulm<span class=\"_ _2\"></span>er<span class=\"_ _9\"></span>, Wolfur<span class=\"_ _2\"></span>t </span>V<span class=\"_ _4\"></span>orsitzender<span class=\"_ _4\"></span>-Stellv<span class=\"_ _4\"></span>er<span class=\"_ _3\"></span>treterin<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mag. So<span class=\"_ _2\"></span>nja Z<span class=\"_ _2\"></span>imme<span class=\"_ _2\"></span>rm<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>, Wi<span class=\"_ _2\"></span>en </span>Mitg<span class=\"_ _2\"></span>liede<span class=\"_ _2\"></span>r<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mag. H<span class=\"_ _2\"></span>anne<span class=\"_ _2\"></span>s Bog<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, A<span class=\"_ _2\"></span>rcozelo, </span>Por<span class=\"_ _2\"></span>tug<span class=\"_ _2\"></span>al \u2022 <span class=\"_ _a\"></span><span class=\"ff4\">DI J<span class=\"_ _2\"></span>ohann<span class=\"_ _2\"></span>es Co<span class=\"_ _2\"></span>llini<span class=\"_ _2\"></span>, Ho<span class=\"_ _2\"></span>hen<span class=\"_ _2\"></span>ems</span><span class=\"ls2 ws1\"> </span>(bis <span class=\"_ _2\"></span>1<span class=\"_ _4\"></span>5.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024<span class=\"_ _9\"></span>)<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls9c wsb3\">Angela Falkner<span class=\"_ _4\"></span>, S\u00f6lden<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Gene<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>ldire<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>r Kon<span class=\"_ _2\"></span>sul K<span class=\"_ _2\"></span>R </span><span class=\"ls2 ws1\"> </span>Dr<span class=\"_ _9\"></span>. Fr<span class=\"_ _2\"></span>anz G<span class=\"_ _2\"></span>asse<span class=\"_ _2\"></span>lsbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, MBA<span class=\"_ _3\"></span>, Lin<span class=\"_ _2\"></span>z<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls1d ws1c\">V<span class=\"_ _4\"></span>ors<span class=\"_ _2\"></span>tandsdirek<span class=\"_ _2\"></span>tor Mag. Nikolaus </span>Juh\u00e1<span class=\"_ _2\"></span>sz, <span class=\"_ _2\"></span>Kl<span class=\"_ _2\"></span>agenf<span class=\"_ _2\"></span>ur<span class=\"_ _3\"></span>t (ab 1<span class=\"_ _4\"></span>5.<span class=\"_ _2\"></span>05<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2024)<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Mag. Ma<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>th<span class=\"_ _2\"></span>a K<span class=\"_ _2\"></span>loibm<span class=\"_ _2\"></span>\u00fcller, Linz </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">R<span class=\"_ _2\"></span>A D<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>. <span class=\"_ _2\"></span>And<span class=\"_ _2\"></span>reas <span class=\"_ _2\"></span>K\u00f6n<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>Inns<span class=\"_ _2\"></span>bru<span class=\"_ _2\"></span>ck </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Arno <span class=\"_ _2\"></span>Schu<span class=\"_ _2\"></span>chte<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, Schw<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>za<span class=\"_ _2\"></span>ch<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Konsuli<span class=\"_ _2\"></span>n Mag<span class=\"_ _2\"></span>. Dr. Her<span class=\"_ _3\"></span>ta <span class=\"_ _2\"></span>Stock<span class=\"_ _2\"></span>baue<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, </span>Klage<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>t<span class=\"_ _39f\"> </span>Arbeitnehmerver<span class=\"_ _2\"></span>treter*innen<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">V<span class=\"_ _4\"></span>or<span class=\"_ _2\"></span>sit<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>nder <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Zent<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>lbet<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>bsr<span class=\"_ _2\"></span>ates </span>Harald G<span class=\"_ _2\"></span>app, Innsbruck<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls7a ws89\">Betr<span class=\"_ _2\"></span>iebsra<span class=\"_ _2\"></span>tsob<span class=\"_ _2\"></span>mann<span class=\"_ _2\"></span>-Stellver<span class=\"_ _3\"></span>trete<span class=\"_ _2\"></span>r </span>Har<span class=\"_ _2\"></span>ald <span class=\"_ _2\"></span>Pr<span class=\"_ _2\"></span>ax<span class=\"_ _2\"></span>mare<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, Ne<span class=\"_ _2\"></span>ust<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>im Stubaital<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Birg<span class=\"_ _2\"></span>it Fr<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>sch<span class=\"_ _2\"></span>e, <span class=\"_ _2\"></span>N\u00fczid<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>s<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Bet<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ina L<span class=\"_ _2\"></span>ob, V<span class=\"_ _2\"></span>ils<span class=\"_ _39f\"> </span></span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Thie<span class=\"_ _2\"></span>mo Per<span class=\"_ _3\"></span>tere<span class=\"_ _2\"></span>r<span class=\"_ _9\"></span>, A<span class=\"_ _2\"></span>xams </span>Staat<span class=\"_ _2\"></span>skommiss\u00e4re<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4\">Staat<span class=\"_ _2\"></span>skom<span class=\"_ _2\"></span>miss\u00e4<span class=\"_ _2\"></span>r H<span class=\"_ _2\"></span>R Dr. Micha<span class=\"_ _2\"></span>el </span>Manhard, Wien<span class=\"_ _39f\"> </span>\u2022 <span class=\"_ _a\"></span><span class=\"ff4 ls10 ws10\">Staatsk<span class=\"_ _9\"></span>ommis<span class=\"_ _9\"></span>s\u00e4r<span class=\"_ _4\"></span>-Stellvertreterin<span class=\"_ _9\"></span> <span class=\"ff2 ls2 ws1\"> </span></span>Mag. Ewe<span class=\"_ _2\"></span>lina <span class=\"_ _2\"></span>Bou<span class=\"_ _2\"></span>la, <span class=\"_ _2\"></span>Wie<span class=\"_ _2\"></span>n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-577": {
   "value": "34<span class=\"ws1\">b Forderungen und V<span class=\"_ _4\"></span>erbindlichkeiten g<span class=\"_ _9\"></span>egen\u00fcber verbundenen</span><span class=\"ws1\"> <span class=\"ls2\"> </span></span>nicht k<span class=\"_ _9\"></span>onsolidierten Unternehmen und B<span class=\"_ _2\"></span>eteiligungen<span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _190\"> </span><span class=\"fs6 lse wse\">31.12.2024<span class=\"_ _f\"> </span>31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute<span class=\"_ _32d\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den<span class=\"_ _32e\"> </span><span class=\"ff2\">4.188<span class=\"_ _99\"> </span>4.270<span class=\"_ _39f\"> </span></span>Gesamtsumme Forderungen<span class=\"_ _32f\"> </span><span class=\"wse\">4.188<span class=\"_ _192\"> </span>4.270<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _330\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _cc\"> </span>0<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _231\"> </span><span class=\"ff2\">46.161<span class=\"_ _145\"> </span>46.383<span class=\"_ _39f\"> </span></span>Gesamtsumme V<span class=\"_ _9\"></span>erbindlichk<span class=\"_ _9\"></span>eiten<span class=\"_ _32a\"> </span><span class=\"wse\">46.161<span class=\"_ _12d\"> </span>46.383<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 9<span class=\"_ _2\"></span>4 T<span class=\"_ _9\"></span>sd. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjah<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>: 92 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) un<span class=\"_ _2\"></span>d 1.<span class=\"_ _10\"></span>198 T<span class=\"_ _4\"></span>sd. \u20ac A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>ndung<span class=\"_ _2\"></span>en (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 1.037 T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _a\"></span>) f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n mit de<span class=\"_ _2\"></span>r Mut<span class=\"_ _3\"></span>terg<span class=\"_ _2\"></span>ese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _2\"></span>t u<span class=\"_ _2\"></span>nd ihre<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Unte<span class=\"_ _2\"></span>rn<span class=\"_ _2\"></span>ehme<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n.<span class=\"_ _39f\"> </span>34g Kreditinstitute<span class=\"wseb\"> m</span>it Anteilsbesitz <span class=\"ff6fd\">&gt; 20 % </span>an der BTV AG <span class=\"ff6fd\">wiesen</span><span class=\"ff6fd\"> </span>zum Bilanzstichtag folgende Werte auf <span class=\"fs9 ls16 ws1\">in Tsd<span class=\"_ _39f\"> </span></span>. \u20ac<span class=\"_ _341\"> </span><span class=\"fs6 lse wse\">2024<span class=\"_ _99\"> </span>2023<span class=\"_ _39f\"> </span></span>V<span class=\"_ _9\"></span>erm\u00f6<span class=\"_ _2\"></span>gens<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2c8\"> </span><span class=\"ff2 lse wse\">784.974.000<span class=\"_ _f\"> </span>843.506.000<span class=\"_ _39f\"> </span></span>Schulden<span class=\"_ _2b6\"> </span><span class=\"ff2 lse wse\">720.895.000<span class=\"_ _100\"> </span>781.625.000<span class=\"_ _39f\"> </span></span>Erl\u00f6se<span class=\"_ _23b\"> </span><span class=\"ff2\">23.826.000<span class=\"_ _f2\"> </span>11.897.000<span class=\"_ _39f\"> </span></span>Jahres\u00fcberschuss<span class=\"_ _1df\"> </span><span class=\"ff2\">6.473.000<span class=\"_ _ee\"> </span>5.934.000<span class=\"_ _39f\"> </span></span>Im R<span class=\"_ _2\"></span>ahme<span class=\"_ _2\"></span>n der Er<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>bnisr<span class=\"_ _2\"></span>ech<span class=\"_ _2\"></span>nung sind 1<span class=\"_ _4\"></span>1 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac Er<span class=\"_ _3\"></span>tr<span class=\"_ _2\"></span>\u00e4ge (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 8 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>) u<span class=\"_ _2\"></span>nd 5 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac Auf<span class=\"_ _3\"></span>wend<span class=\"_ _2\"></span>ungen (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 105 T<span class=\"_ _10\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>) <span class=\"ff2\"> </span>f\u00fcr T<span class=\"_ _9\"></span>rans<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ione<span class=\"_ _2\"></span>n ange<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alle<span class=\"_ _2\"></span>n. D<span class=\"_ _2\"></span>ie For<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>ungen g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ins<span class=\"_ _2\"></span>titu<span class=\"_ _2\"></span>ten b<span class=\"_ _2\"></span>elie<span class=\"_ _2\"></span>fe<span class=\"_ _2\"></span>n sich zum St<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>ag au<span class=\"_ _2\"></span>f 3.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>02 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (<span class=\"_ _2\"></span>Vor<span class=\"_ _4\"></span>-<span class=\"ff2\"> </span>jahr<span class=\"_ _2\"></span>: 2<span class=\"_ _3\"></span>.9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>8 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac<span class=\"_ _3\"></span>), d<span class=\"_ _2\"></span>ie V<span class=\"_ _9\"></span>erb<span class=\"_ _2\"></span>indlic<span class=\"_ _2\"></span>hkei<span class=\"_ _2\"></span>ten au<span class=\"_ _2\"></span>f 7<span class=\"_ _10\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>50 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac (<span class=\"_ _3\"></span>V<span class=\"_ _9\"></span>orja<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>: 3.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0 T<span class=\"_ _9\"></span>sd. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Es w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n f\u00fcr di<span class=\"_ _2\"></span>e Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng der Wer<span class=\"_ _2\"></span>te in de<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>ab<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n 3<span class=\"_ _2\"></span>4e un<span class=\"_ _2\"></span>d 34<span class=\"_ _2\"></span>g die l<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>vo<span class=\"_ _2\"></span>rlie<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den J<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>sabs<span class=\"_ _2\"></span>chl\u00fcs<span class=\"_ _2\"></span>se als B<span class=\"_ _2\"></span>ere<span class=\"_ _2\"></span>chnu<span class=\"_ _2\"></span>ngsg<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>d-<span class=\"_ _39f\"> </span>lage herangezogen",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-31": {
   "value": "36 Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">207.986<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>254.835<span class=\"_ _120\"> </span>19.280<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.673<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>10.284<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>73.012<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>56.916<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>34.547<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">47.016<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.712<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">406.512<span class=\"_ _26\"> </span>99.008<span class=\"_ _d2\"> </span>275.186<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">353.898<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">28.562<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _187\"> </span><span class=\"lse wse\">8.724<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">391.184<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">232.958<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>224.841<span class=\"_ _120\"> </span>21.079<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.565<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span></span>7.676<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>74.290<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>66.578<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>37.080<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">54.890<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">20.674<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">18.604<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">366.450<span class=\"_ _26\"> </span>94.573<span class=\"_ _d2\"> </span>307.212<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">415.157<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">30.981<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.403<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">478.541<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>n d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Leve<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mglie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1.454 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>zw. \u22128<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>243 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Abg<span class=\"_ _2\"></span>ang)<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _3\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>an L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 auf 56<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _4\"></span>2 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>66<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>57<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>m B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde a<span class=\"_ _2\"></span>us Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei i<span class=\"_ _2\"></span>n Leve<span class=\"_ _2\"></span>l 3 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>zum<span class=\"_ _39f\"> </span>eizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t (F<span class=\"_ _3\"></span>VOCI) b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ein E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von \u2212<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: Verlus<span class=\"_ _2\"></span>t \u22121 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n 2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>869 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>nn 5<span class=\"_ _2\"></span>.78<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) an <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36a Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _9\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2024<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _1d9\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>K\u00e4u<span class=\"_ _2\"></span>fe<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in <span class=\"_ _47\"></span><span class=\"ls2\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2024<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>13.760<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221238.779<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>207.986<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>2.273<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>10.284<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _b4\"> </span></span><span class=\"ff4\">\u22124<span class=\"_ _120\"> </span></span>1.454<span class=\"_ _130\"> </span><span class=\"ff4\">\u22128.243<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _8b\"> </span></span>56.916<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>16.033<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221238.783<span class=\"_ _188\"> </span></span>1.454<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22128.243<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _15b\"> </span></span>275.186<span class=\"_ _39f\"> </span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair <span class=\"ls2\"> </span>V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _9\"></span> in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im <span class=\"_ _56\"></span><span class=\"ls2\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span><span class=\"wse\">K\u00e4ufe<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>32.320<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221228.526<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>232.958<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>2.564<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _ac\"> </span></span>7.676<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span><span class=\"ls2 ws1\">4<span class=\"_ _19b\"> </span></span><span class=\"ff4\">\u221297<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>66.578<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>34.888<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221228.623<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _177\"> </span>0<span class=\"_ _177\"> </span>0<span class=\"_ _80\"> </span></span>307.212<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>, inw<span class=\"_ _2\"></span>iewei<span class=\"_ _2\"></span>t Umg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppie<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>vante<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>Zw<span class=\"_ _9\"></span>eck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten vo<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>und der <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t als <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>6.1<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 6.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>91 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>327 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>87 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Values f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Level <span class=\"_ _2\"></span>3 ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>bzw. mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Sub<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr di<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>zug auf d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzier<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>als Z<span class=\"_ _9\"></span>weck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t k<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sshif<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>100 <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis diese<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>shif<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt u<span class=\"_ _2\"></span>nd mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>ten beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>snive<span class=\"_ _2\"></span>aus ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcng<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36b Sensitivit\u00e4tsanalyse Beteiligungen<span class=\"_ _9\"></span><span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _34c\"> </span>\u2212869<span class=\"_ _9d\"> </span>\u2212931<span class=\"_ _1cc\"> </span><span class=\"ff2\">+1.151<span class=\"_ _9a\"> </span>+1.216<span class=\"_ _39f\"> </span></span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiko we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>em p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io ne<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>u werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>die ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflu<span class=\"_ _2\"></span>ssf<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f das <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>n neg<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau bz<span class=\"_ _2\"></span>w. ein <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau gese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value ver<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>te ECL un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">c <span class=\"ls4f\">Bonit\u00e4tsbedingte V<span class=\"_ _4\"></span>er\u00e4nderung des beizulegenden Zeitw<span class=\"_ _9\"></span>erts bei</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"><span class=\"_ _2\"></span> </span></span>Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Negatives Szenario 31.12.2024<span class=\"_ _39f\"> </span>Negatives Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _1a3\"> </span>\u2212197,4<span class=\"_ _9a\"> </span>\u2212219,8<span class=\"_ _1cc\"> </span>+112,0<span class=\"_ _9a\"> </span>+145,0<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tz<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veau we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m Zi<span class=\"_ _2\"></span>nsshi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von +<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _3\"></span>0 B<span class=\"_ _2\"></span>asisp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>wor<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>gesh<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Zin<span class=\"_ _2\"></span>sku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ven <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>eu <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>d mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>h erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veaus <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">d <span class=\"ls4f\">Marktzinsbedin<span class=\"_ _9\"></span>gte V<span class=\"_ _9\"></span>er\u00e4nderung des beizuleg<span class=\"_ _9\"></span>enden Zeitwerts</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"> </span></span>bei Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario    <span class=\"_ _234\"> </span>\u22121.983,7<span class=\"_ _1ce\"> </span>\u22122.019,8<span class=\"_ _98\"> </span>+2.419,5<span class=\"_ _98\"> </span>+2.387,1<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>iob<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>te Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s is<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Se<span class=\"_ _2\"></span>ite 329 zu <span class=\"_ _2\"></span>find<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>3<span class=\"_ _4\"></span>7 Fair V<span class=\"_ _4\"></span>alue von Finan<span class=\"_ _9\"></span>zinstrumenten, die n<span class=\"_ _9\"></span>icht zu<span class=\"_ _9\"></span>m beizu<span class=\"_ _9\"></span>legenden Zei<span class=\"_ _9\"></span>twert bewertet werden In d<span class=\"_ _2\"></span>er n<span class=\"_ _2\"></span>ach<span class=\"_ _2\"></span>folge<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n T<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>bell<span class=\"_ _2\"></span>e wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Bu<span class=\"_ _2\"></span>chwer<span class=\"_ _3\"></span>ten g<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>llt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Der <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>ist der<span class=\"_ _2\"></span>jenig<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>ag<span class=\"_ _3\"></span>, de<span class=\"_ _2\"></span>r in <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m ak<span class=\"_ _3\"></span>tive<span class=\"_ _2\"></span>n Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>erk<span class=\"_ _2\"></span>au<span class=\"_ _2\"></span>f ein<span class=\"_ _2\"></span>es F<span class=\"_ _2\"></span>ina<span class=\"_ _2\"></span>nzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>umen<span class=\"_ _2\"></span>tes e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ziel<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6<span class=\"_ _2\"></span>nnte o<span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr eine<span class=\"_ _2\"></span>n en<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>che<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Er<span class=\"_ _3\"></span>werb <span class=\"_ _2\"></span>zu z<span class=\"_ _2\"></span>ahle<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>\u00e4re<span class=\"_ _2\"></span>. F\u00fcr <span class=\"_ _2\"></span>Position<span class=\"_ _2\"></span>en o<span class=\"_ _2\"></span>hne <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>rag<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>fix<span class=\"_ _2\"></span>ier<span class=\"_ _3\"></span>te L<span class=\"_ _2\"></span>auf<span class=\"_ _2\"></span>ze<span class=\"_ _2\"></span>it w<span class=\"_ _2\"></span>ar de<span class=\"_ _2\"></span>r je<span class=\"_ _2\"></span>weilige <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t ma\u00dfgeb<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei f<span class=\"_ _2\"></span>ehl<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>tpr<span class=\"_ _2\"></span>eise<span class=\"_ _2\"></span>n w<span class=\"_ _2\"></span>urden <span class=\"_ _2\"></span>ane<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>ann<span class=\"_ _2\"></span>te B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tung<span class=\"_ _2\"></span>smod<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>, in<span class=\"_ _2\"></span>sbe<span class=\"_ _2\"></span>sonde<span class=\"_ _2\"></span>re <span class=\"_ _2\"></span>die A<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se dis<span class=\"_ _2\"></span>kontie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>r Cashflows und Optionspreismode<span class=\"_ _2\"></span>lle, her<span class=\"_ _2\"></span>angezogen.<span class=\"_ _39f\"> </span>Aktiva<span class=\"ls2 ws1\"> <span class=\"lsb1 wscd\">zum<span class=\"_ _2\"></span></span> </span>31.12.2024<span class=\"fs9 ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Brutto-<span class=\"ls2 ws1\"> </span>buchwert Risiko-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>vorsorg<span class=\"_ _9\"></span>e<span class=\"_ _39f\"> </span>Netto-<span class=\"ls2 ws1\"> </span>buchwert<span class=\"_ _11a\"> </span><span class=\"lse ws1\">Fair V<span class=\"_ _9\"></span>alue<span class=\"_ _39f\"> </span></span>Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _1f3\"> </span><span class=\"ff2\">3.122.396<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _112\"> </span></span>3.122.396<span class=\"_ _112\"> </span>3.122.396<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>467.752<span class=\"_ _89\"> </span><span class=\"ff4\">\u221237<span class=\"_ _91\"> </span></span>467.715<span class=\"_ _91\"> </span>467.905<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>8.794.700<span class=\"_ _128\"> </span><span class=\"ff4\">\u2212209.127<span class=\"_ _112\"> </span></span>8.585.573<span class=\"_ _112\"> </span>8.595.925<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>924.918<span class=\"_ _9d\"> </span><span class=\"ff4\">\u2212966<span class=\"_ _91\"> </span></span>923.952<span class=\"_ _91\"> </span>917.479<span class=\"_ _39f\"> </span>Aktiva<span class=\"ls2 ws1\"> <span class=\"lsb1 wscd\">zum<span class=\"_ _2\"></span></span> </span>31.12.2023<span class=\"fs9 ls2 ws1\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Brutto-<span class=\"ls2 ws1\"> </span>buchwert Risiko-<span class=\"_ _9\"></span><span class=\"ls2 ws1\"> </span>vorsorg<span class=\"_ _9\"></span>e<span class=\"_ _39f\"> </span>Netto-<span class=\"ls2 ws1\"> </span>buchwert<span class=\"_ _11a\"> </span><span class=\"lse ws1\">Fair V<span class=\"_ _9\"></span>alue<span class=\"_ _39f\"> </span></span>Barreser<span class=\"_ _2\"></span>ve<span class=\"_ _1f3\"> </span><span class=\"ff2\">2.999.856<span class=\"_ _2fd\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _112\"> </span></span>2.999.856<span class=\"_ _112\"> </span>2.999.856<span class=\"_ _39f\"> </span></span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>381.051<span class=\"_ _89\"> </span><span class=\"ff4\">\u221229<span class=\"_ _91\"> </span></span>381.022<span class=\"_ _91\"> </span>381.071<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>8.536.383<span class=\"_ _128\"> </span><span class=\"ff4\">\u2212154.044<span class=\"_ _112\"> </span></span>8.382.339<span class=\"_ _112\"> </span>8.360.493<span class=\"_ _39f\"> </span>Sonstiges Finanzverm\u00f6gen, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>846.158<span class=\"_ _9d\"> </span><span class=\"ff4\">\u2212316<span class=\"_ _91\"> </span></span>845.842<span class=\"_ _91\"> </span>827.121<span class=\"_ _39f\"> </span>Passiva<span class=\"ls2 ws43\">  <span class=\"ws1\"> </span></span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Buchwert 31.12.2024<span class=\"_ _39f\"> </span>Fair V<span class=\"_ _9\"></span>alue 31.12.2024<span class=\"_ _39f\"> </span>Buchwert 31.12.2023<span class=\"_ _39f\"> </span>Fair V<span class=\"_ _9\"></span>alue 31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>1.057.378<span class=\"_ _112\"> </span>1.057.410<span class=\"_ _112\"> </span>1.498.433<span class=\"_ _112\"> </span>1.500.149<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>9.756.707<span class=\"_ _112\"> </span>9.727.911<span class=\"_ _112\"> </span>9.029.451<span class=\"_ _112\"> </span>9.012.936<span class=\"_ _39f\"> </span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2 ls2 ws1\"> </span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>1.397.142<span class=\"_ _112\"> </span>1.392.325<span class=\"_ _112\"> </span>1.256.715<span class=\"_ _112\"> </span>1.229.872<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>F\u00fcr Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>, d<span class=\"_ _2\"></span>ie de<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>ate<span class=\"_ _2\"></span>gor<span class=\"_ _2\"></span>ie \u201e<span class=\"_ _3\"></span>Sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>s F<span class=\"_ _2\"></span>inanz<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rm\u00f6<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>, zu <span class=\"_ _2\"></span>for<span class=\"_ _3\"></span>tge<span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>hr<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n An<span class=\"_ _2\"></span>scha<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>skos<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>\u201c gew<span class=\"_ _2\"></span>idme<span class=\"_ _2\"></span>t sind<span class=\"_ _2\"></span>, wir<span class=\"_ _2\"></span>d de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir Value au<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>m am <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t g<span class=\"_ _2\"></span>ebil<span class=\"_ _2\"></span>dete<span class=\"_ _2\"></span>n P<span class=\"_ _2\"></span>reis <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>F\u00fcr Wer<span class=\"_ _2\"></span>tpap<span class=\"_ _2\"></span>iere<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>nich<span class=\"_ _2\"></span>t dur<span class=\"_ _2\"></span>ch a<span class=\"_ _2\"></span>m Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>gebi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>te Pr<span class=\"_ _2\"></span>eise <span class=\"_ _2\"></span>bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t werd<span class=\"_ _2\"></span>en k\u00f6<span class=\"_ _2\"></span>nnen <span class=\"_ _2\"></span>(im <span class=\"_ _2\"></span>W<span class=\"_ _9\"></span>esen<span class=\"_ _2\"></span>tlic<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>an B<span class=\"_ _2\"></span>\u00f6rs<span class=\"_ _2\"></span>en u<span class=\"_ _2\"></span>nd auf f<span class=\"_ _2\"></span>unk<span class=\"_ _3\"></span>tio<span class=\"_ _2\"></span>nsf<span class=\"_ _2\"></span>\u00e4<span class=\"_ _2\"></span>higen <span class=\"_ _2\"></span>M\u00e4r<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n ge<span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>piere<span class=\"_ _2\"></span>n<span class=\"_ _9\"></span>), bild<span class=\"_ _2\"></span>et s<span class=\"_ _2\"></span>ich d<span class=\"_ _2\"></span>er b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Zeit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>nach <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Dis<span class=\"_ _2\"></span>counte<span class=\"_ _2\"></span>d<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _39f\"> </span>Flow<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as b<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ig pro<span class=\"_ _2\"></span>jizier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Cash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls g<span class=\"_ _2\"></span>eeig<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>ter D<span class=\"_ _2\"></span>iskon<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, um de<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value zu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ln<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>r fl<span class=\"_ _2\"></span>ie\u00dfe<span class=\"_ _2\"></span>n ad<span class=\"_ _2\"></span>\u00e4qua<span class=\"_ _2\"></span>te Cre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ads <span class=\"_ _2\"></span>je An<span class=\"_ _2\"></span>leih<span class=\"_ _2\"></span>eem<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>nt mi<span class=\"_ _2\"></span>t ein<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>er <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Spr<span class=\"_ _2\"></span>ead <span class=\"_ _2\"></span>lei<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>sich f<span class=\"_ _2\"></span>\u00fcr illiqui<span class=\"_ _2\"></span>de Wer<span class=\"_ _2\"></span>tpa<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>e in e<span class=\"_ _2\"></span>rs<span class=\"_ _2\"></span>ter <span class=\"_ _2\"></span>Linie <span class=\"_ _2\"></span>aus <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>Swaps <span class=\"_ _2\"></span>ab. I<span class=\"_ _2\"></span>st <span class=\"_ _2\"></span>kein Cr<span class=\"_ _2\"></span>edit <span class=\"_ _2\"></span>De<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ault <span class=\"_ _2\"></span>Swap S<span class=\"_ _2\"></span>prea<span class=\"_ _2\"></span>d ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>\u00fcgba<span class=\"_ _2\"></span>r<span class=\"_ _4\"></span>, <span class=\"_ _2\"></span>so e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>die Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng des <span class=\"_ _2\"></span>Cre<span class=\"_ _2\"></span>dit Sp<span class=\"_ _2\"></span>rea<span class=\"_ _2\"></span>ds \u00fcb<span class=\"_ _2\"></span>er a<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>t vorh<span class=\"_ _2\"></span>ande<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>, ver<span class=\"_ _2\"></span>gl<span class=\"_ _2\"></span>eich<span class=\"_ _2\"></span>bare <span class=\"_ _2\"></span>Fin<span class=\"_ _2\"></span>anzins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nte von <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>le<span class=\"_ _2\"></span>ichba<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>Emit<span class=\"_ _3\"></span>tente<span class=\"_ _2\"></span>n. W<span class=\"_ _9\"></span>eiter<span class=\"_ _2\"></span>s we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>auc<span class=\"_ _2\"></span>h ex<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ern<span class=\"_ _2\"></span>e B<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tunge<span class=\"_ _2\"></span>n von D<span class=\"_ _2\"></span>ri<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>r\u00fcc<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>sicht<span class=\"_ _2\"></span>ig<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>welch<span class=\"_ _2\"></span>e all<span class=\"_ _2\"></span>erdi<span class=\"_ _2\"></span>ngs <span class=\"_ _2\"></span>jede<span class=\"_ _2\"></span>nf<span class=\"_ _2\"></span>alls <span class=\"_ _2\"></span>indi<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>tiven <span class=\"_ _2\"></span>Char<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>ter auf<span class=\"_ _2\"></span>weisen.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Im L<span class=\"_ _2\"></span>evel 3 <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _3\"></span>t die <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng anh<span class=\"_ _2\"></span>and von <span class=\"_ _2\"></span>Mod<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i ein <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>eil <span class=\"_ _2\"></span>de<span class=\"_ _2\"></span>r In<span class=\"_ _2\"></span>putp<span class=\"_ _2\"></span>ara<span class=\"_ _2\"></span>met<span class=\"_ _2\"></span>er ni<span class=\"_ _2\"></span>cht a<span class=\"_ _2\"></span>m Ma<span class=\"_ _2\"></span>rk<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>obac<span class=\"_ _2\"></span>ht<span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>bare <span class=\"_ _2\"></span>Date<span class=\"_ _2\"></span>n be<span class=\"_ _2\"></span>inhal<span class=\"_ _2\"></span>tet <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>omit <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>bank<span class=\"_ _2\"></span>inte<span class=\"_ _2\"></span>rne<span class=\"_ _2\"></span>n A<span class=\"_ _2\"></span>nnahm<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>uht<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Dies <span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>tri<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>f<span class=\"_ _3\"></span>t in <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ste<span class=\"_ _2\"></span>r Lin<span class=\"_ _2\"></span>ie nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Ban<span class=\"_ _2\"></span>ken<span class=\"_ _2\"></span>, wel<span class=\"_ _2\"></span>che \u201e<span class=\"_ _2\"></span>at <span class=\"_ _2\"></span>cos<span class=\"_ _2\"></span>t\u201c b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Hie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>\u00fcr i<span class=\"_ _2\"></span>st i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Rege<span class=\"_ _2\"></span>l in <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>Fair-V<span class=\"_ _4\"></span>a<span class=\"_ _2\"></span>lue<span class=\"_ _2\"></span>-<span class=\"_ _3\"></span>Ermi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlu<span class=\"_ _2\"></span>ng de<span class=\"_ _2\"></span>r zug<span class=\"_ _2\"></span>run<span class=\"_ _2\"></span>de liege<span class=\"_ _2\"></span>nde <span class=\"_ _2\"></span>Credi<span class=\"_ _2\"></span>t Sp<span class=\"_ _2\"></span>read <span class=\"_ _2\"></span>je G<span class=\"_ _2\"></span>ege<span class=\"_ _2\"></span>npar<span class=\"_ _3\"></span>tei <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>bek<span class=\"_ _2\"></span>an<span class=\"_ _2\"></span>nt un<span class=\"_ _2\"></span>d k<span class=\"_ _2\"></span>ann a<span class=\"_ _2\"></span>uch <span class=\"_ _2\"></span>nicht <span class=\"_ _2\"></span>vom M<span class=\"_ _2\"></span>ark<span class=\"_ _3\"></span>t abg<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>itet <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>er<span class=\"_ _2\"></span>bindlic<span class=\"_ _2\"></span>hkeiten<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>F\u00fcr Verbind<span class=\"_ _2\"></span>lichke<span class=\"_ _2\"></span>iten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e nic<span class=\"_ _2\"></span>ht zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bila<span class=\"_ _2\"></span>nzier<span class=\"_ _3\"></span>t wer<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>, bi<span class=\"_ _2\"></span>lde<span class=\"_ _2\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>e Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t nac<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r D<span class=\"_ _2\"></span>iscoun<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>ted<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>Met<span class=\"_ _2\"></span>hode<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>as be<span class=\"_ _2\"></span>deu<span class=\"_ _2\"></span>tet<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>dass <span class=\"_ _2\"></span>die z<span class=\"_ _2\"></span>uk\u00fcn<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>tig <span class=\"_ _2\"></span>proj<span class=\"_ _2\"></span>izier<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>Cash<span class=\"_ _2\"></span>flows <span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls ge<span class=\"_ _2\"></span>eig<span class=\"_ _2\"></span>net<span class=\"_ _2\"></span>er D<span class=\"_ _2\"></span>iskont<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ak<span class=\"_ _2\"></span>to<span class=\"_ _2\"></span>ren <span class=\"_ _2\"></span>abge<span class=\"_ _2\"></span>zins<span class=\"_ _2\"></span>t werde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>um de<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value z<span class=\"_ _2\"></span>u er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>eln<span class=\"_ _2\"></span>. B<span class=\"_ _2\"></span>ei ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>kommt <span class=\"_ _2\"></span>dabe<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit <span class=\"_ _2\"></span>Spre<span class=\"_ _2\"></span>ad d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V zum <span class=\"_ _2\"></span>Eins<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>z, welch<span class=\"_ _2\"></span>er s<span class=\"_ _2\"></span>ich a<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>n ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>ll zu <span class=\"_ _2\"></span>zah<span class=\"_ _2\"></span>lend<span class=\"_ _2\"></span>en A<span class=\"_ _2\"></span>uf<span class=\"_ _2\"></span>schl<span class=\"_ _2\"></span>\u00e4gen <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>Anl<span class=\"_ _2\"></span>eihe<span class=\"_ _2\"></span>emi<span class=\"_ _2\"></span>ssione<span class=\"_ _2\"></span>n or<span class=\"_ _2\"></span>ien<span class=\"_ _2\"></span>tier<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>\u00c4hnli<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>en n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>verb<span class=\"_ _2\"></span>rie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n F<span class=\"_ _2\"></span>orde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en si<span class=\"_ _2\"></span>nd au<span class=\"_ _2\"></span>ch d<span class=\"_ _2\"></span>ie nic<span class=\"_ _2\"></span>ht ve<span class=\"_ _2\"></span>rbr<span class=\"_ _2\"></span>ie<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n Verbindl<span class=\"_ _2\"></span>ichke<span class=\"_ _2\"></span>iten <span class=\"_ _2\"></span>gege<span class=\"_ _2\"></span>n\u00fcbe<span class=\"_ _2\"></span>r K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n und <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>nken Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>andte<span class=\"_ _2\"></span>il d<span class=\"_ _2\"></span>es Le<span class=\"_ _2\"></span>vels 3<span class=\"_ _2\"></span>. D<span class=\"_ _2\"></span>iese <span class=\"_ _2\"></span>Prod<span class=\"_ _2\"></span>uk<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>werde<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls i<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Rege<span class=\"_ _2\"></span>l nic<span class=\"_ _2\"></span>ht zu<span class=\"_ _2\"></span>m Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>bewer<span class=\"_ _3\"></span>tet<span class=\"_ _3\"></span>. Die <span class=\"_ _2\"></span>Bil<span class=\"_ _2\"></span>dung e<span class=\"_ _2\"></span>ines beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>ts <span class=\"_ _2\"></span>finde<span class=\"_ _2\"></span>t e<span class=\"_ _2\"></span>ben<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>alls m<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ls Di<span class=\"_ _2\"></span>scount<span class=\"_ _2\"></span>ed<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>C<span class=\"_ _2\"></span>ash<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>low-<span class=\"_ _3\"></span>Meth<span class=\"_ _2\"></span>ode <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>, <span class=\"_ _2\"></span>wobe<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>r Cre<span class=\"_ _2\"></span>dit S<span class=\"_ _2\"></span>pre<span class=\"_ _2\"></span>ad hie<span class=\"_ _2\"></span>r au<span class=\"_ _2\"></span>\u00dfer Acht bleibt<span class=\"_ _39f\"> </span>38 <span class=\"ws1\">Fair-Value-Hierarchie v<span class=\"_ _4\"></span>on F<span class=\"_ _2\"></span>inanzinstrumenten, die nicht zum</span><span class=\"ws1\"><span class=\"_ _9\"></span> </span>beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bewertet wer<span class=\"_ _9\"></span>den, deren beizuleg<span class=\"_ _9\"></span>ender Zeitwert aber angegeben wir<span class=\"_ _9\"></span>d, per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _85\"> </span><span class=\"lse wse\">467.905<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">8.595.925<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>849.904<span class=\"_ _8b\"> </span>67.575<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt <span class=\"_ _179\"> </span><span class=\"lse wse\">849.904<span class=\"_ _32\"> </span>67.575<span class=\"_ _89\"> </span>9.063.829<span class=\"_ _39f\"> </span></span>Nicht zum Fair Value bew<span class=\"_ _9\"></span>ertete V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.057.410<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">9.727.911<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2\"> </span>   zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.342.820<span class=\"_ _8b\"> </span>49.505<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erpflichtungen insgesamt <span class=\"_ _271\"> </span><span class=\"ff5\">0<span class=\"_ _89\"> </span><span class=\"lse wse\">1.342.820<span class=\"_ _d3\"> </span>10.834.827<span class=\"_ _39f\"> </span></span></span>Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, die nicht zum beiz<span class=\"_ _9\"></span>ulegenden Zeitwert bewertet wer<span class=\"_ _9\"></span>den, deren beizuleg<span class=\"_ _9\"></span>ender Zeitwert aber angegeben wir<span class=\"_ _9\"></span>d, per 31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht auf Markt-<span class=\"ls2\"> </span>daten basierende <span class=\"_ _56\"></span><span class=\"ls2\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an K<span class=\"_ _2\"></span>reditinstitute, <span class=\"_ _2\"></span><span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _85\"> </span><span class=\"lse wse\">381.071<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">8.360.493<span class=\"_ _39f\"> </span></span>Sonstiges Finanzverm\u00f6gen, zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>744.186<span class=\"_ _8b\"> </span>82.935<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt <span class=\"_ _179\"> </span><span class=\"lse wse\">744.186<span class=\"_ _32\"> </span>82.935<span class=\"_ _89\"> </span>8.741.563<span class=\"_ _39f\"> </span></span>Nicht zum Fair Value bew<span class=\"_ _9\"></span>ertete V<span class=\"_ _9\"></span>erpflichtungen<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffung<span class=\"_ _2\"></span>skosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.500.149<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>rbindlichkeiten gegen\u00fcber Kunden<span class=\"_ _2\"></span>, <span class=\"ff2 ls2 ws1\"> </span>   <span class=\"_ _2\"></span>zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaff<span class=\"_ _2\"></span>ungskosten bewertet<span class=\"_ _39f\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">9.012.936<span class=\"_ _39f\"> </span></span>Sonstige Finanzverbindlichkeiten, <span class=\"ff2\"> </span>   zu for<span class=\"_ _2\"></span>tgef\u00fchr<span class=\"_ _2\"></span>ten Anschaffungskosten bewer<span class=\"_ _3\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _cc\"> </span><span class=\"lse wse\">1.181.254<span class=\"_ _8b\"> </span>48.618<span class=\"_ _39f\"> </span></span>Nicht zum Fair V<span class=\"_ _4\"></span>alue bewertete V<span class=\"_ _4\"></span>erpflichtungen insgesamt <span class=\"_ _271\"> </span><span class=\"ff5\">0<span class=\"_ _89\"> </span><span class=\"lse wse\">1.181.254<span class=\"_ _d3\"> </span>10.561.703<span class=\"_ _39f\"> </span></span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-553": {
   "value": "36 Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2024 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">207.986<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>254.835<span class=\"_ _120\"> </span>19.280<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.673<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>10.284<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>73.012<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>56.916<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>34.547<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">47.016<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">34.445<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.712<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">406.512<span class=\"_ _26\"> </span>99.008<span class=\"_ _d2\"> </span>275.186<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">353.898<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">28.562<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _187\"> </span><span class=\"lse wse\">8.724<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">391.184<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Fair-V<span class=\"_ _9\"></span>alue-Hierarchie von Finan<span class=\"_ _9\"></span>zinstrumenten, <span class=\"ls2\"> </span>die zum bei<span class=\"_ _9\"></span>zulegenden Z<span class=\"_ _9\"></span>eitwert bewertet werden,<span class=\"_ _39f\"> </span>per 31.12.2023 in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>In aktiven<span class=\"_ _9\"></span> <span class=\"_ _56\"></span><span class=\"ls2\"> </span>M\u00e4rkten <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>notierte Preise<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _39f\"> </span>Auf Marktdaten<span class=\"_ _9\"></span> basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 2<span class=\"_ _39f\"> </span>Nicht auf Marktdaten basierende <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>Bewertungsmethode<span class=\"_ _39f\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te<span class=\"_ _39f\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>0<span class=\"_ _251\"> </span>0<span class=\"_ _346\"> </span><span class=\"lse wse\">232.958<span class=\"_ _39f\"> </span></span>Schuldtitel, er<span class=\"_ _3\"></span>folgsneutral <span class=\"_ _2\"></span>zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>224.841<span class=\"_ _120\"> </span>21.079<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _32\"> </span><span class=\"ff2\">9.565<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span></span>7.676<span class=\"_ _39f\"> </span></span>Schuldtitel (Fair-Value-Option)<span class=\"_ _347\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _251\"> </span>0<span class=\"_ _5a\"> </span>0<span class=\"_ _39f\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>74.290<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _30a\"> </span></span>66.578<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgs<span class=\"_ _2\"></span>wirksam zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVTPL) <span class=\"_ _2\"></span>bewertet<span class=\"_ _39f\"> </span>37.080<span class=\"_ _251\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Positiv<span class=\"_ _9\"></span>e Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus deriv<span class=\"_ _2\"></span>ativen Sich<span class=\"_ _9\"></span>erun<span class=\"_ _9\"></span>gsi<span class=\"_ _9\"></span>nst<span class=\"_ _9\"></span>rumen<span class=\"_ _4\"></span>ten<span class=\"_ _19f\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">54.890<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelsaktiva \u2013 Fonds<span class=\"_ _2ac\"> </span><span class=\"ff2 lse wse\">20.674<span class=\"_ _278\"> </span></span><span class=\"ff2\">0<span class=\"_ _c4\"> </span>0<span class=\"_ _39f\"> </span></span>Handelsaktiva <span class=\"_ _2\"></span>\u2013 positive Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus der<span class=\"_ _2\"></span>ivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">18.604<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswer<span class=\"_ _2\"></span>te insgesamt<span class=\"_ _10f\"> </span><span class=\"ff5\">366.450<span class=\"_ _26\"> </span>94.573<span class=\"_ _d2\"> </span>307.212<span class=\"_ _39f\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue bewertete finanzielle V<span class=\"_ _4\"></span>erpflichtungen<span class=\"_ _39f\"> </span>Fair-V<span class=\"_ _9\"></span>alue-Option<span class=\"_ _348\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _130\"> </span></span><span class=\"ff2\">415.157<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Si<span class=\"_ _4\"></span>ch<span class=\"_ _9\"></span>e<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>ng<span class=\"_ _4\"></span>si<span class=\"_ _4\"></span>ns<span class=\"_ _9\"></span>t<span class=\"_ _9\"></span>ru<span class=\"_ _4\"></span>me<span class=\"_ _4\"></span>nt<span class=\"_ _4\"></span>en<span class=\"_ _74\"> </span><span class=\"ff2 ls2 ws1\">0<span class=\"_ _120\"> </span></span><span class=\"ff2\">30.981<span class=\"_ _c4\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>Handelspassiva \u2013 <span class=\"_ _2\"></span>negative Markt<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te aus <span class=\"_ _2\"></span>derivativen Finanzinstrumenten<span class=\"_ _39f\"> </span>0<span class=\"_ _120\"> </span><span class=\"lse wse\">32.403<span class=\"_ _c4\"> </span></span>0<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erpflichtungen insgesamt<span class=\"_ _bd\"> </span><span class=\"ff5 ls2 ws1\">0<span class=\"_ _2c\"> </span></span><span class=\"ff5\">478.541<span class=\"_ _123\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _39f\"> </span></span></span>n d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Leve<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mglie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1.454 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span>zw. \u22128<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>243 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Abg<span class=\"_ _2\"></span>ang)<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _3\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>an L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 auf 56<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _4\"></span>2 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>66<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>57<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>m B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde a<span class=\"_ _2\"></span>us Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei i<span class=\"_ _2\"></span>n Leve<span class=\"_ _2\"></span>l 3 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>zum<span class=\"_ _39f\"> </span>eizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t (F<span class=\"_ _3\"></span>VOCI) b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ein E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von \u2212<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: Verlus<span class=\"_ _2\"></span>t \u22121 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n 2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>869 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>nn 5<span class=\"_ _2\"></span>.78<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) an <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36a Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _9\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2024<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _1d9\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _1c7\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg<span class=\"_ _39f\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im<span class=\"_ _39f\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden<span class=\"_ _39f\"> </span>Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>K\u00e4u<span class=\"_ _2\"></span>fe<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in <span class=\"_ _47\"></span><span class=\"ls2\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2024<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>232.958<span class=\"_ _b4\"> </span>47<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _305\"> </span></span>13.760<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221238.779<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>207.986<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>7.676<span class=\"_ _55\"> </span>335<span class=\"_ _34b\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _263\"> </span></span>2.273<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>10.284<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>66.578<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _247\"> </span></span><span class=\"ff4\">\u22122.869<span class=\"_ _18b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _b4\"> </span></span><span class=\"ff4\">\u22124<span class=\"_ _120\"> </span></span>1.454<span class=\"_ _130\"> </span><span class=\"ff4\">\u22128.243<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _8b\"> </span></span>56.916<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>307.212<span class=\"_ _9f\"> </span>382<span class=\"_ _34a\"> </span><span class=\"ff6f9\">\u22122.869<span class=\"_ _2fc\"> </span></span>16.033<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221238.783<span class=\"_ _188\"> </span></span>1.454<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22128.243<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _15b\"> </span></span>275.186<span class=\"_ _39f\"> </span>Bewegung<span class=\"_ _9\"></span>en in Lev<span class=\"_ _9\"></span>el 3 von z<span class=\"_ _4\"></span>um Fair <span class=\"ls2\"> </span>V<span class=\"_ _9\"></span>alue bewerteten Finanzinstrumenten<span class=\"_ _9\"></span> in T<span class=\"_ _4\"></span>sd. \u20ac <span class=\"_ _f7\"> </span><span class=\"fs6 ls2 wsed\">  <span class=\"_ _79\"> </span><span class=\"lse wse\">01.01.2023<span class=\"_ _39f\"> </span></span></span>Er<span class=\"_ _2\"></span>folg <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>GuV<span class=\"_ _39f\"> </span>Er<span class=\"_ _2\"></span>folg im <span class=\"_ _56\"></span><span class=\"ls2\"> </span>sonstigen Ergebnis<span class=\"_ _305\"> </span><span class=\"wse\">K\u00e4ufe<span class=\"_ _39f\"> </span></span>V<span class=\"_ _4\"></span>erk\u00e4uf<span class=\"_ _2\"></span>e <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Tilgungen<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer in Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>T<span class=\"_ _10\"></span>r<span class=\"_ _2\"></span>ansfer aus <span class=\"_ _47\"></span><span class=\"ls2 ws1\"> </span>Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _39f\"> </span>W\u00e4hrungs-<span class=\"_ _39f\"> </span>umrechnung<span class=\"_ _d3\"> </span><span class=\"lse wse\">31.12.2023<span class=\"_ _39f\"> </span></span>Forderungen an Kun<span class=\"_ _2\"></span>den, <span class=\"_ _2\"></span>verpflichtend zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>231.861<span class=\"_ _130\"> </span><span class=\"ff4\">\u22122.697<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _29a\"> </span></span>32.320<span class=\"_ _2fd\"> </span><span class=\"ff4\">\u221228.526<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _85\"> </span></span>232.958<span class=\"_ _39f\"> </span>Schuldtitel, verpflichtend zum <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>5.614<span class=\"_ _179\"> </span><span class=\"ff4\">\u2212502<span class=\"_ _34b\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _38\"> </span></span>2.564<span class=\"_ _177\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _24a\"> </span>0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _ac\"> </span></span>7.676<span class=\"_ _39f\"> </span>Eigenkapitalinstrumente<span class=\"_ _2\"></span>, er<span class=\"_ _2\"></span>folgsneu<span class=\"_ _2\"></span>tral zum <span class=\"ff2 ls2 ws1\"> </span>beizulegenden Zeitwer<span class=\"_ _2\"></span>t (FVOCI) bewer<span class=\"_ _2\"></span>tet<span class=\"_ _39f\"> </span>60.592<span class=\"_ _349\"> </span><span class=\"ls2 ws1\">0<span class=\"_ _2f9\"> </span></span>6.079<span class=\"_ _14\"> </span><span class=\"ls2 ws1\">4<span class=\"_ _19b\"> </span></span><span class=\"ff4\">\u221297<span class=\"_ _24a\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _349\"> </span>0<span class=\"_ _24a\"> </span>0<span class=\"_ _8b\"> </span></span>66.578<span class=\"_ _39f\"> </span>Zum Fair V<span class=\"_ _9\"></span>alue klassifizier<span class=\"_ _2\"></span>te <span class=\"ff5 ls2 ws1\"> </span>V<span class=\"_ _4\"></span>erm\u00f6genswerte insgesamt<span class=\"_ _39f\"> </span>298.066<span class=\"_ _32\"> </span><span class=\"ff6f9\">\u22123.199<span class=\"_ _185\"> </span></span>6.079<span class=\"_ _247\"> </span>34.888<span class=\"_ _15b\"> </span><span class=\"ff6f9\">\u221228.623<span class=\"_ _177\"> </span></span><span class=\"ls2 ws1\">0<span class=\"_ _177\"> </span>0<span class=\"_ _177\"> </span>0<span class=\"_ _80\"> </span></span>307.212<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>, inw<span class=\"_ _2\"></span>iewei<span class=\"_ _2\"></span>t Umg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppie<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>vante<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>uchwe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>von F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en e<span class=\"_ _2\"></span>s sic<span class=\"_ _2\"></span>h um <span class=\"_ _2\"></span>Zw<span class=\"_ _9\"></span>eck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsc<span class=\"_ _2\"></span>haf<span class=\"_ _3\"></span>ten vo<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>ordn<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>r B<span class=\"_ _2\"></span>ede<span class=\"_ _2\"></span>utung <span class=\"_ _2\"></span>hand<span class=\"_ _2\"></span>elt <span class=\"_ _2\"></span>und der <span class=\"_ _2\"></span>Buc<span class=\"_ _2\"></span>hwer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>somi<span class=\"_ _2\"></span>t als <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt w<span class=\"_ _2\"></span>ird<span class=\"_ _2\"></span>, be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>agen <span class=\"_ _2\"></span>zum 31<span class=\"_ _9\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _4\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>2024 bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>6.1<span class=\"_ _10\"></span>1<span class=\"_ _4\"></span>9 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: 6.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>91 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>) <span class=\"_ _2\"></span>und <span class=\"_ _2\"></span>bei <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n ver<span class=\"_ _2\"></span>bun<span class=\"_ _2\"></span>dene<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>nter<span class=\"_ _2\"></span>ne<span class=\"_ _2\"></span>hmen <span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>327 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>9.0<span class=\"_ _2\"></span>87 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Values f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Level <span class=\"_ _2\"></span>3 ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>bzw. mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Sub<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr di<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>zug auf d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzier<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>als Z<span class=\"_ _9\"></span>weck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t k<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sshif<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>100 <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis diese<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>shif<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt u<span class=\"_ _2\"></span>nd mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>ten beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>snive<span class=\"_ _2\"></span>aus ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die D<span class=\"_ _2\"></span>if<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcng<span class=\"_ _2\"></span>lich <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value be<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hier<span class=\"_ _2\"></span>be<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36b Sensitivit\u00e4tsanalyse Beteiligungen<span class=\"_ _9\"></span><span class=\"ls2\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _34c\"> </span>\u2212869<span class=\"_ _9d\"> </span>\u2212931<span class=\"_ _1cc\"> </span><span class=\"ff2\">+1.151<span class=\"_ _9a\"> </span>+1.216<span class=\"_ _39f\"> </span></span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s K<span class=\"_ _2\"></span>redi<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>isiko we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>unter <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>em n<span class=\"_ _2\"></span>eg<span class=\"_ _2\"></span>ati<span class=\"_ _2\"></span>ven un<span class=\"_ _2\"></span>d ein<span class=\"_ _2\"></span>em p<span class=\"_ _2\"></span>osit<span class=\"_ _2\"></span>iven <span class=\"_ _2\"></span>Szenar<span class=\"_ _2\"></span>io ne<span class=\"_ _2\"></span>u be<span class=\"_ _2\"></span>wer<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>. Hie<span class=\"_ _2\"></span>rz<span class=\"_ _2\"></span>u werd<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>die ma<span class=\"_ _2\"></span>kro<span class=\"_ _2\"></span>\u00f6konom<span class=\"_ _2\"></span>isch<span class=\"_ _2\"></span>en Ei<span class=\"_ _2\"></span>nflu<span class=\"_ _2\"></span>ssf<span class=\"_ _2\"></span>ak<span class=\"_ _3\"></span>tore<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f das <span class=\"_ _2\"></span>Kr<span class=\"_ _2\"></span>edit<span class=\"_ _2\"></span>ris<span class=\"_ _2\"></span>iko au<span class=\"_ _2\"></span>f ei<span class=\"_ _2\"></span>n neg<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>tives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau bz<span class=\"_ _2\"></span>w. ein <span class=\"_ _2\"></span>posit<span class=\"_ _2\"></span>ives <span class=\"_ _2\"></span>Ni<span class=\"_ _2\"></span>veau gese<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>t und <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>f\u00fc<span class=\"_ _2\"></span>r die <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ung im <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value ver<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>te ECL un<span class=\"_ _2\"></span>ter d<span class=\"_ _2\"></span>iese<span class=\"_ _2\"></span>n Szenar<span class=\"_ _2\"></span>ien <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Die <span class=\"_ _2\"></span>Dif<span class=\"_ _3\"></span>fe<span class=\"_ _2\"></span>renz <span class=\"_ _2\"></span>zum ursp<span class=\"_ _2\"></span>r\u00fcng<span class=\"_ _2\"></span>lic<span class=\"_ _2\"></span>h er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>elte<span class=\"_ _2\"></span>n Fa<span class=\"_ _2\"></span>ir Value b<span class=\"_ _2\"></span>etr<span class=\"_ _2\"></span>\u00e4g<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>hie<span class=\"_ _2\"></span>rbe<span class=\"_ _2\"></span>i:<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">c <span class=\"ls4f\">Bonit\u00e4tsbedingte V<span class=\"_ _4\"></span>er\u00e4nderung des beizulegenden Zeitw<span class=\"_ _9\"></span>erts bei</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"><span class=\"_ _2\"></span> </span></span>Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Negatives Szenario 31.12.2024<span class=\"_ _39f\"> </span>Negatives Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Positiv<span class=\"_ _9\"></span>es Szenario<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario<span class=\"_ _1a3\"> </span>\u2212197,4<span class=\"_ _9a\"> </span>\u2212219,8<span class=\"_ _1cc\"> </span>+112,0<span class=\"_ _9a\"> </span>+145,0<span class=\"_ _39f\"> </span>F\u00fcr die <span class=\"_ _2\"></span>Sen<span class=\"_ _2\"></span>siti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>naly<span class=\"_ _2\"></span>se de<span class=\"_ _2\"></span>s be<span class=\"_ _2\"></span>izule<span class=\"_ _2\"></span>gend<span class=\"_ _2\"></span>en Z<span class=\"_ _2\"></span>eit<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s in <span class=\"_ _2\"></span>Be<span class=\"_ _2\"></span>zug au<span class=\"_ _2\"></span>f da<span class=\"_ _2\"></span>s Ma<span class=\"_ _2\"></span>rk<span class=\"_ _3\"></span>tz<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veau we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n die <span class=\"_ _2\"></span>Ford<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ungen <span class=\"_ _2\"></span>an K<span class=\"_ _2\"></span>unde<span class=\"_ _2\"></span>n, welch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>ulege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzie<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>eine<span class=\"_ _2\"></span>m Zi<span class=\"_ _2\"></span>nsshi<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>von +<span class=\"_ _9\"></span>1<span class=\"_ _4\"></span>0<span class=\"_ _3\"></span>0 B<span class=\"_ _2\"></span>asisp<span class=\"_ _2\"></span>unk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispu<span class=\"_ _2\"></span>nk<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n unte<span class=\"_ _2\"></span>r-<span class=\"_ _9\"></span><span class=\"ff2 ls2 ws1\"> </span>wor<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>. Auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is die<span class=\"_ _2\"></span>ser <span class=\"_ _2\"></span>gesh<span class=\"_ _2\"></span>if<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>n Zin<span class=\"_ _2\"></span>sku<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ven <span class=\"_ _2\"></span>werd<span class=\"_ _2\"></span>en di<span class=\"_ _2\"></span>e be<span class=\"_ _2\"></span>izuleg<span class=\"_ _2\"></span>end<span class=\"_ _2\"></span>en Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te n<span class=\"_ _2\"></span>eu <span class=\"_ _2\"></span>erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt un<span class=\"_ _2\"></span>d mit <span class=\"_ _2\"></span>dem <span class=\"_ _2\"></span>urs<span class=\"_ _2\"></span>pr\u00fc<span class=\"_ _2\"></span>nglic<span class=\"_ _2\"></span>h erm<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lten <span class=\"_ _2\"></span>beiz<span class=\"_ _2\"></span>uleg<span class=\"_ _2\"></span>ende<span class=\"_ _2\"></span>n Ze<span class=\"_ _2\"></span>it<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t au<span class=\"_ _2\"></span>f B<span class=\"_ _2\"></span>asis d<span class=\"_ _2\"></span>es a<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>elle<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insni<span class=\"_ _2\"></span>veaus <span class=\"_ _2\"></span>verg<span class=\"_ _2\"></span>lich<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>36<span class=\"ls2 ws1\">d <span class=\"ls4f\">Marktzinsbedin<span class=\"_ _9\"></span>gte V<span class=\"_ _9\"></span>er\u00e4nderung des beizuleg<span class=\"_ _9\"></span>enden Zeitwerts</span></span><span class=\"ls2 ws1\"><span class=\"ls4f\"> </span></span>bei Forderungen an K<span class=\"_ _4\"></span>unden<span class=\"_ _39f\"> </span>in T<span class=\"_ _4\"></span>sd. \u20ac<span class=\"_ _39f\"> </span>Zinsen +100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen <span class=\"_ _56\"></span><span class=\"ls2 ws1\"> </span>+100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2024<span class=\"_ _39f\"> </span>Zinsen \u2212100 BP<span class=\"_ _39f\"> </span>31.12.2023<span class=\"_ _39f\"> </span>V<span class=\"_ _4\"></span>e<span class=\"_ _2\"></span>r\u00e4nderung des <span class=\"_ _2\"></span>beizulegenden Zeitwer<span class=\"_ _2\"></span>ts im <span class=\"_ _2\"></span>Szenario    <span class=\"_ _234\"> </span>\u22121.983,7<span class=\"_ _1ce\"> </span>\u22122.019,8<span class=\"_ _98\"> </span>+2.419,5<span class=\"_ _98\"> </span>+2.387,1<span class=\"_ _39f\"> </span>Die s<span class=\"_ _2\"></span>zenar<span class=\"_ _2\"></span>iob<span class=\"_ _2\"></span>eding<span class=\"_ _3\"></span>te Ver\u00e4nd<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ung de<span class=\"_ _2\"></span>s er<span class=\"_ _3\"></span>war<span class=\"_ _3\"></span>tet<span class=\"_ _2\"></span>en K<span class=\"_ _2\"></span>re<span class=\"_ _2\"></span>dit<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>rlus<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s is<span class=\"_ _2\"></span>t au<span class=\"_ _2\"></span>f Se<span class=\"_ _2\"></span>ite 329 zu <span class=\"_ _2\"></span>find<span class=\"_ _2\"></span>en<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-595": {
   "value": "In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Leve<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mglie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1.454 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span> b<span class=\"_ _39f\"> </span>zw. \u22128<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>243 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Abg<span class=\"_ _2\"></span>ang)<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-578": {
   "value": "In d<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>ga<span class=\"_ _2\"></span>ben <span class=\"_ _2\"></span>sich <span class=\"_ _2\"></span>z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>einze<span class=\"_ _2\"></span>lnen <span class=\"_ _2\"></span>Leve<span class=\"_ _2\"></span>lst<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n U<span class=\"_ _2\"></span>mglie<span class=\"_ _2\"></span>der<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n in <span class=\"_ _2\"></span>H\u00f6h<span class=\"_ _2\"></span>e von 1.454 T<span class=\"_ _9\"></span>sd. <span class=\"_ _2\"></span>\u20ac (Zug<span class=\"_ _2\"></span>ang<span class=\"_ _2\"></span>)<span class=\"_ _39f\"> </span> b<span class=\"_ _39f\"> </span>zw. \u22128<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>243 T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac (Abg<span class=\"_ _2\"></span>ang)<span class=\"_ _39f\"> </span><span class=\"_ _2\"></span>. Be<span class=\"_ _2\"></span>i de<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Value bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n B<span class=\"_ _2\"></span>ete<span class=\"_ _2\"></span>iligu<span class=\"_ _2\"></span>ngen <span class=\"_ _2\"></span>und s<span class=\"_ _2\"></span>onst<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>bund<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Un<span class=\"_ _2\"></span>ter<span class=\"_ _2\"></span>neh<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>men <span class=\"_ _2\"></span>bel<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _3\"></span>t sic<span class=\"_ _2\"></span>h de<span class=\"_ _2\"></span>r Be<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>and <span class=\"_ _2\"></span>an L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span>-3<span class=\"_ _2\"></span>-<span class=\"_ _2\"></span>F<span class=\"_ _2\"></span>inanzi<span class=\"_ _2\"></span>nst<span class=\"_ _2\"></span>rum<span class=\"_ _2\"></span>ente<span class=\"_ _2\"></span>n zum <span class=\"_ _2\"></span>31<span class=\"_ _4\"></span>.1<span class=\"_ _10\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>024 auf 56<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>91<span class=\"_ _4\"></span>2 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: <span class=\"_ _2\"></span>66<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>57<span class=\"_ _4\"></span>4 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac<span class=\"_ _3\"></span>).<span class=\"_ _39f\"> </span>Im B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sj<span class=\"_ _2\"></span>ahr 2<span class=\"_ _2\"></span>024 wurde a<span class=\"_ _2\"></span>us Verk<span class=\"_ _2\"></span>\u00e4uf<span class=\"_ _2\"></span>en b<span class=\"_ _2\"></span>ei i<span class=\"_ _2\"></span>n Leve<span class=\"_ _2\"></span>l 3 e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>ass<span class=\"_ _2\"></span>ten <span class=\"_ _2\"></span>Eigen<span class=\"_ _2\"></span>ka<span class=\"_ _2\"></span>pit<span class=\"_ _2\"></span>alins<span class=\"_ _2\"></span>tr<span class=\"_ _2\"></span>ume<span class=\"_ _2\"></span>nten<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lche <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>folg<span class=\"_ _2\"></span>sne<span class=\"_ _2\"></span>utr<span class=\"_ _2\"></span>al <span class=\"_ _2\"></span>zum<span class=\"_ _39f\"> </span> beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t (F<span class=\"_ _3\"></span>VOCI) b<span class=\"_ _2\"></span>ewer<span class=\"_ _3\"></span>tet we<span class=\"_ _2\"></span>rde<span class=\"_ _2\"></span>n, <span class=\"_ _2\"></span>ein E<span class=\"_ _2\"></span>rge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>in H<span class=\"_ _2\"></span>\u00f6he <span class=\"_ _2\"></span>von \u2212<span class=\"_ _2\"></span>0 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: Verlus<span class=\"_ _2\"></span>t \u22121 T<span class=\"_ _4\"></span>sd. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n<span class=\"_ _39f\"> </span> Erge<span class=\"_ _2\"></span>bnis <span class=\"_ _2\"></span>er<span class=\"_ _3\"></span>fa<span class=\"_ _2\"></span>sst<span class=\"_ _2\"></span>. <span class=\"_ _2\"></span>Im <span class=\"_ _2\"></span>sons<span class=\"_ _2\"></span>tige<span class=\"_ _2\"></span>n Er<span class=\"_ _2\"></span>geb<span class=\"_ _2\"></span>nis w<span class=\"_ _2\"></span>urde<span class=\"_ _2\"></span>n 2<span class=\"_ _3\"></span>.<span class=\"_ _2\"></span>869 <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>sd<span class=\"_ _2\"></span>. \u20ac <span class=\"_ _2\"></span>(<span class=\"_ _2\"></span>Vorjahr<span class=\"_ _2\"></span>: G<span class=\"_ _2\"></span>ewi<span class=\"_ _2\"></span>nn 5<span class=\"_ _2\"></span>.78<span class=\"_ _2\"></span>0 T<span class=\"_ _4\"></span>s<span class=\"_ _2\"></span>d. <span class=\"_ _2\"></span>\u20ac<span class=\"_ _3\"></span>) an <span class=\"_ _2\"></span>Bewe<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>tu<span class=\"_ _2\"></span>ngs<span class=\"_ _2\"></span>ver<span class=\"_ _2\"></span>lus<span class=\"_ _2\"></span>ten e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>as<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>Die B<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V pr<span class=\"_ _2\"></span>\u00fcf<span class=\"_ _3\"></span>t zum <span class=\"_ _2\"></span>Ende <span class=\"_ _2\"></span>ein<span class=\"_ _2\"></span>er B<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>icht<span class=\"_ _2\"></span>sp<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>iode<span class=\"_ _2\"></span>, inw<span class=\"_ _2\"></span>iewei<span class=\"_ _2\"></span>t Umg<span class=\"_ _2\"></span>ru<span class=\"_ _2\"></span>ppie<span class=\"_ _2\"></span>runge<span class=\"_ _2\"></span>n au<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>gr<span class=\"_ _2\"></span>und von <span class=\"_ _2\"></span>V<span class=\"_ _9\"></span>er<span class=\"_ _2\"></span>\u00e4nde<span class=\"_ _2\"></span>rung<span class=\"_ _2\"></span>en r<span class=\"_ _2\"></span>ele<span class=\"_ _2\"></span>vante<span class=\"_ _2\"></span>r P<span class=\"_ _2\"></span>ar<span class=\"_ _2\"></span>amet<span class=\"_ _2\"></span>er z<span class=\"_ _2\"></span>wisc<span class=\"_ _2\"></span>hen <span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>vers<span class=\"_ _2\"></span>chie<span class=\"_ _2\"></span>den<span class=\"_ _2\"></span>en St<span class=\"_ _2\"></span>ufe<span class=\"_ _2\"></span>n de<span class=\"_ _2\"></span>r Fa<span class=\"_ _2\"></span>ir-<span class=\"_ _9\"></span>Value-<span class=\"_ _3\"></span>Hie<span class=\"_ _2\"></span>ra<span class=\"_ _2\"></span>rchie <span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>at<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>ge<span class=\"_ _2\"></span>fun<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>habe<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>Umg<span class=\"_ _2\"></span>rup<span class=\"_ _2\"></span>pier<span class=\"_ _2\"></span>unge<span class=\"_ _2\"></span>n e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>fo<span class=\"_ _2\"></span>lgen <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>s de<span class=\"_ _2\"></span>r Bes<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>\u00e4nde <span class=\"_ _2\"></span>der <span class=\"_ _2\"></span>jeweil<span class=\"_ _2\"></span>igen <span class=\"_ _2\"></span>Ber<span class=\"_ _2\"></span>ich<span class=\"_ _2\"></span>ts<span class=\"_ _2\"></span>per<span class=\"_ _2\"></span>iod<span class=\"_ _2\"></span>e.<span class=\"_ _39f\"> </span>Die E<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tlung <span class=\"_ _2\"></span>des <span class=\"_ _2\"></span>Fair <span class=\"_ _2\"></span>Values f<span class=\"_ _2\"></span>\u00fcr di<span class=\"_ _2\"></span>e im <span class=\"_ _2\"></span>Level <span class=\"_ _2\"></span>3 ausge<span class=\"_ _2\"></span>wies<span class=\"_ _2\"></span>ene<span class=\"_ _2\"></span>n Verm\u00f6ge<span class=\"_ _2\"></span>nsgeg<span class=\"_ _2\"></span>ens<span class=\"_ _2\"></span>t\u00e4<span class=\"_ _2\"></span>nde e<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>f<span class=\"_ _2\"></span>olg<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>auf <span class=\"_ _2\"></span>Bas<span class=\"_ _2\"></span>is zuk<span class=\"_ _2\"></span>\u00fcnf<span class=\"_ _3\"></span>tige<span class=\"_ _2\"></span>r Z<span class=\"_ _2\"></span>ahlung<span class=\"_ _2\"></span>s<span class=\"_ _2\"></span><span class=\"ls2 ws1\">-<span class=\"_ _39f\"> </span></span>str<span class=\"_ _2\"></span>\u00f6me <span class=\"_ _2\"></span>bzw. mit<span class=\"_ _3\"></span>tels <span class=\"_ _2\"></span>Mar<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>we<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>t- un<span class=\"_ _2\"></span>d Sub<span class=\"_ _2\"></span>st<span class=\"_ _2\"></span>anz<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t<span class=\"_ _2\"></span>ver<span class=\"_ _3\"></span>f<span class=\"_ _2\"></span>ahre<span class=\"_ _2\"></span>n. <span class=\"_ _2\"></span>F\u00fcr di<span class=\"_ _2\"></span>e Se<span class=\"_ _2\"></span>nsiti<span class=\"_ _2\"></span>vit<span class=\"_ _2\"></span>\u00e4t<span class=\"_ _2\"></span>sa<span class=\"_ _2\"></span>nal<span class=\"_ _2\"></span>yse d<span class=\"_ _2\"></span>es b<span class=\"_ _2\"></span>eizule<span class=\"_ _2\"></span>gen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>s i<span class=\"_ _2\"></span>n Be<span class=\"_ _2\"></span>zug auf d<span class=\"_ _2\"></span>en <span class=\"_ _2\"></span>Bet<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ung<span class=\"_ _2\"></span>swer<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>die B<span class=\"_ _2\"></span>et<span class=\"_ _2\"></span>eilig<span class=\"_ _2\"></span>ungen<span class=\"_ _2\"></span>, we<span class=\"_ _2\"></span>lch<span class=\"_ _2\"></span>e zum <span class=\"_ _2\"></span>beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t bil<span class=\"_ _2\"></span>anzier<span class=\"_ _3\"></span>t we<span class=\"_ _2\"></span>rden <span class=\"_ _2\"></span>und n<span class=\"_ _2\"></span>icht <span class=\"_ _2\"></span>als Z<span class=\"_ _9\"></span>weck<span class=\"_ _2\"></span>gese<span class=\"_ _2\"></span>llsch<span class=\"_ _2\"></span>af<span class=\"_ _3\"></span>t k<span class=\"_ _2\"></span>atego<span class=\"_ _2\"></span>risi<span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>t <span class=\"_ _2\"></span>sind<span class=\"_ _2\"></span>, e<span class=\"_ _2\"></span>inem <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>sshif<span class=\"_ _3\"></span>t von <span class=\"_ _2\"></span>+<span class=\"_ _4\"></span>10<span class=\"_ _2\"></span>0 Ba<span class=\"_ _2\"></span>sispun<span class=\"_ _2\"></span>k<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>n bz<span class=\"_ _2\"></span>w. \u2212<span class=\"_ _4\"></span>100 <span class=\"_ _2\"></span>Basi<span class=\"_ _2\"></span>spunk<span class=\"_ _3\"></span>ten <span class=\"_ _2\"></span>unte<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>wor<span class=\"_ _3\"></span>fen<span class=\"_ _2\"></span>. A<span class=\"_ _2\"></span>uf B<span class=\"_ _2\"></span>asis diese<span class=\"_ _2\"></span>r ge<span class=\"_ _2\"></span>shif<span class=\"_ _3\"></span>tete<span class=\"_ _2\"></span>n Z<span class=\"_ _2\"></span>insk<span class=\"_ _2\"></span>ur<span class=\"_ _2\"></span>ve<span class=\"_ _2\"></span>n wer<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>die b<span class=\"_ _2\"></span>eizul<span class=\"_ _2\"></span>egen<span class=\"_ _2\"></span>den <span class=\"_ _2\"></span>Zeit<span class=\"_ _3\"></span>wer<span class=\"_ _2\"></span>te <span class=\"_ _2\"></span>neu <span class=\"_ _2\"></span>er<span class=\"_ _2\"></span>mit<span class=\"_ _2\"></span>te<span class=\"_ _2\"></span>lt u<span class=\"_ _2\"></span>nd mi<span class=\"_ _2\"></span>t de<span class=\"_ _2\"></span>m ur<span class=\"_ _2\"></span>spr<span class=\"_ _2\"></span>\u00fcngl<span class=\"_ _2\"></span>ich e<span class=\"_ _2\"></span>rmi<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>tel<span class=\"_ _2\"></span>ten beizu<span class=\"_ _2\"></span>lege<span class=\"_ _2\"></span>nde<span class=\"_ _2\"></span>n Zei<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>wer<span class=\"_ _3\"></span>t auf <span class=\"_ _2\"></span>Ba<span class=\"_ _2\"></span>sis de<span class=\"_ _2\"></span>s ak<span class=\"_ _3\"></span>tue<span class=\"_ _2\"></span>llen <span class=\"_ _2\"></span>Zin<span class=\"_ _2\"></span>snive<span class=\"_ _2\"></span>aus ve<span class=\"_ _2\"></span>rg<span class=\"_ _2\"></span>liche<span class=\"_ _2\"></span>n<span class=\"_ _2\"></span>.<span class=\"_ _39f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:5299003ATVTQVPTW4735",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  }
 }
}